Worker’s compensation is a type of insurance that secures compensation and medical assurance for workers and employees. This type of insurance kicks in thecase of an injury at the workplace. There are a lot of injuries and conditions that qualify you for worker’s compensation and there are many things within the insurance package itself that are meant to make recovery easier for the worker, both physically and financially. In case the insurance company provider tries to deny you the right to your benefits, make sure to get in touch with a reputable attorney.
In most cases workers’ compensation covers the following:
One of the most important things you get through worker’s compensation is the costs of the medical care. If you sustain an injury or get diagnosed with a work-related condition, you willbe compensated for the medical care required to get you back on your feet as soon as possible.
Rehabilitation costs and services
This type of insurance also provides assistance in cases where some form of recovery is necessary. When people suffer severe injuries, they often need to undergo some formof physical training. For example, if you are in a car accident during work hours and get into an accident that leaves you temporarily paralyzed, should you benefit from worker’s compensation you will also receive training and treatment that will help you regain control of your legs, spine or any other injured part.
Compensation in the worst-case scenario
Sometimes, tragedies happen and people die. However, those that benefit from worker’s compensation will also be compensated in the form of support for their surviving family members. So if something were to happen to you during the job, worker’s compensation would make sure that your family is compensated in the aftermath.
If an injury leaves you in a state where you can no longer take care of yourself or need permanent support or assistance, worker’s compensation packages also contain a form of pension which will serve as support for the needed extra utilities such as medication or equipment, maybe even personal assistance costs.
Sounds great, who can sign up?
If you are interested in what worker’s compensation has to offer, you might want to know whether or not you are qualified or in other words covered by this form of insurance. Essentially, all full-time employees should have workers’ compensation benefits provided by their employer. Some workers, for example, freelancers and part-time employees may not be covered. In some states, employees are obligated to provide workers’ comp insurance for volunteers.