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What is covered under workers’ compensation?

On Behalf of | Jan 25, 2017 | Workers' Compensation |

When employees get injured while working, they may be entitled to workers’ compensation. They are entitled to this compensation for the duration of their recovery. Essentially workers’ compensation is the protection of the employee from lost wages and medical expenses that would have been caused due to injury. The process of filing for compensation is designed to be simple, but there are frameworks and benchmarks set to decide whether the worker is entitled to workers’ compensation or not. Workers’ compensation is fundamentally different from a lawsuit and is intended as a form of protection for the employee as well as a form of reward. The process of filing for said compensation is akin to making a request contrasting with the aggressive style of demanding used by lawsuits.

Workers’ compensation is intended to act as a form of safeguard for employees that shield them from the loss of wages (source of income), medical expenses and ensures that employees receive medical care. It is a type of protection that ensures that employees are able to swiftly receive financial aid to help them in their recovery. The system is set up to protect both employees and employers. Employers can avoid being subjected to extravagant lawsuits but must make standardized payments in the form of compensation and benefits to the employees.

Generally, in nearly all states it is mandatory for businesses and organizations to have workers’ compensation set up in its framework, and this compensation must cover:

  • The employee’s medical care and medical expenses in the form of cost of treatment as well as access to medical professionals.
  • Temporary disability payments that cover the employee for his/her inability to work.
  • Permanent disability payments that cover the employee’s loss of value in the job market due to the disability.
  • Vocational rehabilitation: this is a form of protection that is meant to provide a disabled or injured employee with an alternate job in the situation where he can no longer perform his former role due to his injury.

The process of filing for worker’s compensation can actually be very complicated and daunting for an average person, and delaying the process can cause problems for the employee in his receiving of said compensation thus it is highly recommended that you consult an experienced attorney near you.



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