If you’ve been injured on the job, navigating the workers’ compensation process can feel overwhelming. One of the most important things to understand is what benefits you’re entitled to receive.
Workers’ compensation is a safety net fashioned to protect workers who sustain injuries or illnesses in their line of work. Breaking down the different types of coverage you can expect from workers’ compensation benefits can help you maximize financial aid during your recovery.
Medical benefits
Workers’ compensation covers all necessary medical expenses related to your work injury. This includes doctor visits, hospital stays, surgery, medication and physical therapy. There are typically no out-of-pocket costs for you as the injured worker.
Temporary disability benefits
Suppose your injury prevents you from working for a temporary period; you may be entitled to receive a portion of your lost wages. The specific percentage and duration of benefits will vary depending on your average weekly earnings before the injury.
Permanent disability benefits
In some cases, a work injury can leave you with lasting impairments that affect your ability to work. Permanent disability benefits provide financial compensation for a partial or total loss of earning capacity.
Vocational rehabilitation
Workers’ compensation may also cover vocational rehabilitation services to help you return to work or acquire new skills if returning to your previous job is no longer possible due to your injury.
Death benefits
In the unfortunate event that a work-related injury results in an employee’s death, their dependents may be entitled to the death benefits. These benefits help replace lost income and provide financial support for the family.
Workers’ compensation benefits provide an invaluable safety net for workers injured on the job. By understanding the types of benefits available, you can make informed decisions about your recovery and financial security. Remember, reporting your injury promptly and seeking legal guidance, if necessary, can significantly impact your workers’ compensation case, especially if it is complex in nature.
