Anyone who suffers an injury at work must receive workers comp benefits. These come from employers, often through state-endorsed programs.
The benefits you receive vary from state to state. Each state sets its own rates for workers’ compensation, along with most payout caps, lifetime maximums, and others.
Wondering what workers’ compensation covers? Then read on! This guide covers everything you need to know.
Medical Assistance
It is a financial assistance program provided by the government to help workers who are hurt or become ill while performing the duties of their job. It is through state taxes that employers must pay out of their own pockets to help provide financial relief to injured and ill workers. These can range from partial or full salary replacements to vocational rehabilitation and more.
Death Benefits
It is a type of financial compensation paid to the family of a worker who has been killed while working on the job. This is to relieve the financial strain on the deceased person’s family and can be a lump sum payment or a series of payments over time. The dependents of a deceased worker will receive a death benefit that is equal to a certain percentage of their wages, as well as burial and funeral expenses paid for by the employer.
Any medical bills in the aftermath of the worker’s passing may also be covered. It acts as a form of life insurance for the worker and provides the surviving family with a certain level of financial stability while they grieve.
Lost Wages
It is a payment awarded to employees who were injured on the job and have suffered a financial loss due to that workplace injury. It is provided to employees as an income replacement while they are unable to work due to their injuries and out-of-pocket medical expenses.
However, it may be in the form of weekly installments, lump sums, or a combination thereof, and can cover the costs of living expenses while the employee is unable to work. The amount of lost wages awarded is usually based on the average income that the employee earned before they were in the situation.
Disability Help
Workers comp lawyers allow them to continue to receive their regular salary and are based on the amount of time they are unable to work due to their disability. The specific amount of money depends on the actual disability and the worker’s position and income.
The worker will be eligible to receive a percentage of their usual salary for a certain period of time after the injury. It can provide great help to disabled workers, allowing them to continue their regular lives in the face of their disability.
Workers Comp Benefits You Deserve!
Workers comp benefits come in all shapes and sizes. Depending on the injury, workers may be eligible to receive medical care, lost wages, and even death benefits.
Making sure you’re aware of these benefits and how to access them can make all the difference for an injured worker. To learn more about benefits, use your state’s resources to get the most up-to-date and accurate information.
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