Benefits

What Benefits Does Workers’ Compensation Provide?

Posted by on Jun 19, 2016 in Benefits, Workers' Compensation | 0 comments

Every employer has the responsibility to ensure the safety of their employees. But no amount of safety precaution can beat the uncertainty of an accident. In case of an injury in the workplace, employees can count on worker’s compensation insurance for injury and illness related expenses. The objective of this type of insurance is to help an employee recover and return to work. Worker’s compensation insurance also provides benefits to dependent family members in case of death of an employee.

In case of workplace injury or death, you can work with Indianapolis personal injury lawyers at the Hankley Law Office to claim for benefits and coverages that your workers’ compensation insurance offers. While the benefits may vary depending on the severity of injury or disability, a personal injury attorney may help you get the following benefits:

1. Medical Care

Worker’s compensation insurance may include hospitalization and medical benefits which may shoulder doctor visits, medication, and surgery. It may also include equipment cost as well as payment for counseling, pain therapy, and acupuncture. Unfortunately, if you are considering experimental or investigative treatment or therapy, worker’s compensation may not provide coverage for those procedures as only generally acceptable medical practices are covered.

2. Rehabilitation

Your insurance will pay for medical and therapeutic care which is necessary for your recovery from injury or illness. If you need care and training in order to regain the skills and abilities you need to return to work, worker’s compensation will cover that as well. If you will not be able to to return to your previous work, worker’s compensation will shoulder the costs for evaluation, retraining, tuition, and others to help you get qualified for another job.

3. Disability

Workers’ compensation can help you defray the cost associated with lost wages if you become disabled. Disabilities are usually categorized into four types:

  • Temporary total disability keeps you from working at all but only for a limited period of time.
  • Temporary partial disability prevents you from performing some duties of your job for a limited period of time.
  • Permanent total disability is a disability that prevents you from ever returning to your job. It does not require total helplessness or medical incapacity
  • Permanent partial disability is one that causes permanent damage but only partially impairs your ability to work

4. Death

Worker’s compensation insurance provides death benefits to beneficiaries of the deceased worker such as spouse, child, parent, or sibling and were financially dependent on that person. Although workers’ compensation shoulders funeral and burial expenses, the main purpose is to cover for the loss of financial support.
Injuries can cause a lot of changes to a worker and financially capability is one of them. Luckily, they can rely on worker’s compensation insurance to give them some help with expenses associated with their injury or illness.

Read More