Due to a state-mandated insurance program known as workers’ compensation, employees suffering from work-related illnesses or injuries are eligible for benefits. This includes seasonal workers, workers without documentation, agricultural workers, and domestic workers.
Whether a worker sits at a desk for the majority of the day or climbs up scaffolding from morning until evening, it is the employer’s responsibility to protect their workers from occupational injuries. In addition to taking measures to deter avoidable accidents from happening, employers are also required under state law to carry workers’ compensation insurance. This is a form of financial protection that indemnifies the employer when a worker who is entitled to receive workers’ compensation benefits files a claim.
Workers who file a successful worker’s compensation claim are eligible for a wide range of benefits. One of the benefits of this type of assistance is that the determination is not based on fault. The employee has the right to file a claim for workers’ compensation benefits regardless of whether the employer or employee was negligent in causing the injury.
Anyone filing a workers’ compensation claim or appealing an insurance company’s claim denial should be aware of the benefits available to them. There are both short-term and long-term remedies available to employees who have been injured or become ill on the job. These advantages include:
Temporary Disability Benefits:
This is the most common benefit paid out under worker’s compensation claims. Typically, the employee will receive two-thirds of their gross income while they are deemed temporarily disabled. Payments will end when the physician releases the employee back to work or when it’s been declared a permanent injury.
Medical Costs:
Treatment for injury or illness is covered under these benefits. This includes payment for travel expenses, all doctor visits, and any expense for medical supplies or services needed to recover from the injury.
Permanent Disability Benefits:
If the doctor that is treating the worker declares that the injury sustained will never completely heal, the worker will have a permanent disability claim. This generally happens after the employee has completed one year of treatment. Employees in this scenario would then file a permanent disability claim.
Death Benefits:
If the worker dies, the death benefits will go to the spouse or children of the employee. This will pay for burial, funeral expenses, and lost wages for dependent children.
Why wait?
Anyone who has suffered an on-the-job accident knows how scary it can be to worry about income while trying to rest and heal. Workers’ compensation benefits help employees spend more of their time focusing on recovery by giving them access to treatment. It also provides peace of mind for employees who know they will be receiving at least a large percentage of their wages.
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