American workers who are injured on the job are entitled to receive workers’
compensation benefits. Employers are required to have workers’ compensation
insurance in case any of their employees get hurt while working. But what
expenses are covered by workers’ compensation benefits? We explain below.
Workers’ compensation benefits cover all medical treatments related
to a worker’s injury. This can include:
- Hospital Visits
- Doctor Visits
- Medical Equipment
To be covered by worker’s comp, the medical treatment must be reasonable,
necessary, and related to the work-related injury. Investigative treatment
or therapy is usually not covered by workers’ compensation benefits.
When an injury keeps an employee from working for an extended period of
time, they can qualify for wage replacement benefits. To obtain these
benefits, an employee needs to fall into one of the following categories:
- Temporary Total Disability
- Temporary Partial Disability
- Permanent Total Disability
- Permanent Partial Disability
The benefit amount that an employee receives from these types of benefits
is based on what they earned before their injury. Typically, they will
receive 2/3 of their regular wages.
Vocational Rehabilitation Benefits
Worker’s comp benefits can be used to pay for therapeutic care, like
physical therapy, that will aid in their recovery process. These benefits
can also be used to cover the cost of special training that is needed
for an employee to return to work or to qualify them for another job.
Sometimes, a work-related injury can lead to an employee’s death.
In this situation, the employee’s family or dependents can receive
certain benefits like:
- Funeral & Burial Expenses
- Financial Support
However, some states have restrictions on who can qualify for death benefits.
You should consult with an experienced attorney to find out your specific
state laws for death benefits.
Have more questions about what is covered by workers’ compensation
benefits? We can help. Contact our Glendale team of workers’ compensation attorneys