If you are injured while at work, you will need to file a workers’ compensation claim in order to get benefits. One of the most common questions that people have about workers’ compensation claims is what type of benefits are covered under workers’ compensation laws? The laws generally vary by state, but generally, you can expect the following benefits:
Medical Coverage – Medical benefits cover the cost of your medical care for a work-related injury or illness. These benefits provide coverage for:
- Hospital treatment
- Physical therapy
- Medical equipment
Medical coverage through the workers’ compensation system is not restricted by deductibles, copays or limits.
Disability – If your illness or injury changes your ability to return to work, you may be entitled to disability coverage. Depending on the nature and extent of your injury, you may qualify for:
- Partial disability: Either temporary or permanent, partial disability means that you are disabled by a short-term injury and may be able to return to work once your injury or illness subsides.
- Total disability: Either temporary or permanent, total disability means that you are completely unable to work and earn income while you recover from the injury or illness.
The amount of disability benefits you are able to claim will depend on factors including your state, your income amount and the type of disability.
Rehabilitation – Vocational rehabilitation costs are covered by workers’ compensation laws for workers who are unable to return to their previous occupation. Some states also provide psychological rehabilitation for mental injuries or illness.
Death Benefits – If a worker dies due to a work-related injury or illness, then his or her family are paid death benefits. These benefits cover burial costs, income and other expenses related to the death.
What Benefits Do I Qualify For?
If you have suffered a work-related injury or illness, you are likely wondering what benefits you qualify for. The best way to find out is to contact a workers’ compensation attorney to discuss your situation.