Workers’ compensation benefits help employees who sustained injuries in their workplace environment by providing them with finances to cover their accident-related injuries and other losses. An injured employee may be eligible for different types of workers’ compensation benefits. They include medical coverage, vocational rehabilitation, wage benefits and death benefits which go to the family of the deceased worker.
If you file a claim after being injured in your workplace, you should receive compensation for your injuries to cover costs like, medical tests, doctor visits, hospital stays, prescription medication and medical equipment like wheelchairs. You should also be compensated for physical therapy and get mileage reimbursement for traveling to and from the hospital for doctor appointments. All your accident-related expenses should be covered until you have healed and are able to continue working. However, you will need to visit the correct medical provider to qualify for medical benefits, such as a doctor who is authorized under your employer’s workers comp policy.
If you have sustained injuries that affect your ability to work, you may qualify for these benefits, which are in four different categories:
· Temporary total disability
If your injuries prevent you from working for at least one week, you may qualify for this type of disability benefit.
· Temporary partial disability
If you can still work after sustaining an injury, but at a lower capacity by working fewer hours, taking on less-demanding duties and earning a lower wage, then you can receive temporary partial disability benefits.
· Permanent total disability
If you are injured, you should be treated until you have attained the highest level of medical improvement. Then, your doctor will perform a thorough medical check-up on you and determine whether you are permanently disabled. If you are, you will receive permanent total disability benefits for life. For example, severe injuries like total blindness and loss of two limbs qualify for permanent total disability.
· Permanent partial disability
The victim will receive this disability benefit for a certain period. Depending on the rating of their injury, they will receive a certain number of benefits. While it is not forever, this will still cover you for your injuries.
Rehabilitation or vocational benefits
If your work injury completely prevents you from returning to the same position or workplace, then you may receive vocational rehabilitation, which may include job training, assistance in finding a new job and career counseling. The purpose of rehabilitation benefits is to help you maintain employment by training you or giving you the resources, you need to return to work. This will help you get back on your feet and gain your independence back.
If your family member was injured at the workplace and died, then you may receive death benefits. Death benefits are given to the children, spouse, and other dependents of the deceased worker. Death benefits cover the funeral and burial costs of the deceased.
To conclude, people who have been injured at the workplace can qualify for medical benefits, disability benefits and vocational benefits Furthermore, families of a worker who died from workplace injuries can receive death benefits to cover funeral and burial expenses of their loved one. However, the injured workers should retain an attorney who can represent their best interests and guide them through the process of getting maximum compensation.