Workers’ compensation provides insurance coverage for employees of a company for injuries and illnesses sustained at work in exchange for the workers’ agreement to not file suit against the employer for those injuries or illnesses. This insurance coverage, if needed, provides money for medical bills, lost wages, and financial support to family members in the event that the worker is killed due to their occupation.
The following is a brief overview of each of the types of coverage workers’ compensation provides:
Medical costs Workers’ compensation provides financial coverage for the cost of ambulance trips, hospitalization, surgeries, medication, and any other medical care that is necessary for diagnosing and treating your injury or illness. However, medical coverage is usually only provided for traditional medical care. If you wish to try experimental treatments, it may be covered, but it will likely take negotiations involving a workers’ compensation attorney.
Rehabilitation Workers’ compensation provides money to pay for any medical rehabilitation that may be necessary for you to return to work. For example, if you are injured and are unable to walk without extensive rehabilitation, workers’ compensation will pay for physical therapy. Additionally, if your injury prevents you from returning to your former job, workers’ compensation may provide payment for training for a new job.
Disability benefits Disability benefits provided by workers’ compensation are given to compensate workers for the wages they are losing while they are unable to work due to their injuries.
Death Many individuals have family members who are wholly or partially financially dependent on their income, so workers’ compensation sometimes provides financial support for family members of workers who die in work-related accidents or due to work-related illnesses. Depending on state laws and the family’s circumstances, the support could be ongoing or given in a lump sum.
Workers’ compensation can be a difficult topic to navigate, especially when you are dealing with injuries and are unsure of your rights. If you’ve been injured on the job, don’t hesitate to consult with a Des Moines workers’ compensation attorney for more information.