When an accident happens at a workplace, workers’ compensation provides coverage to help your employee pay for medical expenses. This can include emergency room visits, surgical procedures, medications, hospital stays, and other medical bills. Ongoing care, such as therapeutic care is also part of the coverage.
A serious injury can prevent an employee from returning to work. Workers’ compensation insurance provides lost wage reimbursement, within limits, for employees who have to miss work because of an occupational injury or illness. The amount that you receive, and how much you receive, depends on the degree to which your injury affects your ability to work. If an injury keeps an employee out of work, then they may qualify for lost income benefits if they fall into one of the following categories of disability:
If you’re unable to do your past job because of your medical restrictions, you have the legal right to vocational rehabilitation if you suffer an injury at work. Workers’ compensation insurance covers an injured employee’s rehabilitation in order to regain the full capacity to return to their job. Vocational rehabilitation benefits may include services such as occupational counseling, on-the-job training, and vocational retraining at an accredited learning institution.
If work-related injury or illness results in an employee’s death, “death benefits” pays for related expenses. This benefit expands a restricted amount towards memorial service costs in addition to a weekly advantage to qualified dependents.