Everything You Need to Know About Workers’ Compensation Benefits

Work injuries are quite common in commercial environments. Employees can get injured due to unsafe work environment. They can make a claim for workers’ compensation benefits to make up for their injuries. The claims are then evaluated to check the validity and employees receive appropriate benefits. If you’ve been injured at your workplace, here are some benefits you can get.

Medical Treatment

Medical coverage is a basic part of workers’ compensation. The benefits cover medical care and hospitalization expenses. The employer is obliged to pay for all expenses until the worker recovers from work injury damages. However, if the employer thinks that the treatment is unnecessarily prolonged, they can file a complaint.

In order to verify their claim, injured or ill workers may have to provide health reports, radiological examinations such X-Ray or MRI reports. They can get a refund of these expenses if their claim is approved.

Workers’ Compensation Benefits

Employers can acquire a managed care facility for the treatment of injured employees. Doctors provide treatment at discounted rates which helps employers save costs. However, it is necessary to ensure that the healthcare professionals are highly skilled in their field to ensure the well-being of the patients.

Disability Compensation

Work-related injuries often lead to temporary or permanent disability. It is the responsibility of your employer to compensate for your wages you have lost due to your injury. Disability is categorised into the following types:

·        Temporary Partial Disability

Temporary partial disability is when the injured employee is unable to perform some duties for a limited time. For instance, if the worker injures their arm or foot, they can do certain tasks until their foot or leg recovers.

·        Temporary Total Disability

Due to temporary total disability, an employee cannot get back to work for a limited time period. However, they can continue their job just like earlier once they are fully healed.

·        Permanent Partial Disability

Permanent partial disability prevents an employee from performing certain tasks for the rest of their lives. It is further divided into two categories: scheduled and non-scheduled. Scheduled injuries involve the injury to a particular body part such as a hand or fingers and the employee will receive compensation pay for a month or more, depending on their injury.

·        Permanent Total Disability

In case of permanent total disability, an injured employee cannot take up the job they were doing before getting injured at work.

Rehabilitation

Workers’ compensation benefits also cover expenses of therapeutic and medical care, essential to recover from injury and regain the strength.

If the employee suffers from some sort of permanent disability as a consequence of work injury, they may not be able to join a similar job in the future. Under such circumstances, the employer must pay for their training that will help them acquire required skills to get another job.

Death Benefits

Their dependents will receive benefits if an employee dies due to on-site injuries. The purpose of this compensation is to provide financial support to dependents, since they have no earning family member to count on. However, the employer may as well pay for funeral and burial expenses.