Types Of Workers’ Compensation

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.

Broken Bones

Broken bones are some of the most common workplace injuries in the entire United States. This is largely due to the fact that a broken bone can be the result of numerous different types of accidents. Whether the injury is due to falling down stairs or an object falling on a person, many American workers have to deal with the consequences of having a broken bone as a result of simply completing their required work activities. Broken bones can completely disrupt a worker’s day-to-day routine, especially as they almost always require medical attention. Such disruption and treatment can take its toll on anyone, both physically and financially, and many injured workers search for a way to make this time more bearable.

Fortunately, most workers who break bones in work accidents are qualified to apply for workers’ compensation. Workers’ compensation offers injured workers monetary support to sustain them for the duration of a disability or injury, often when they are unable to work their regular hours. This financial support can aid in paying for the costs of setting a bone, any x-rays, or other medical procedures that are necessary for treatment.

Common Causes of Broken Bones

Because breaking a bone is actually quite easy, there are seemingly an infinite number of ways in which a worker can break a bone. However, several of the most common causes include:

Vehicle accidents
Falling accidents
Construction accidents
Equipment malfunction
Scaffolding / ladder collapse

All of these accidents can happen while a worker is performing his or her regular job duties, making them eligible to receive workers compensation benefits. If you or someone you love has broken a bone while on the job, contact an experienced workers’ compensation lawyer today to discuss the complexities of workers compensation and how it can be of use to you.