In 2019, 2.8 million non-fatal work injuries and illnesses occurred in the private sector. That puts the average incidence rate at 2.8 cases per 100 full-time employees. These injuries and illnesses also led to an average of 8 days away from work.
It’s during such cases wherein workers’ compensation benefits kick in. Fortunately, most workers receive coverage, as it is mandatory in almost all states. Texas is the only state where this insurance coverage isn’t compulsory.
However, most Texan employers still get worker’s comp, as the government advises them to do so. Meaning, even if you work here, you likely have coverage.
With that said, you may be wondering how exactly workers’ compensation benefits you. We’ll take a closer look at its coverage inclusions below, so be sure to read on.
Workers’ comp pays for the medical treatment of employees who get injured or sick while on the job. It also provides coverage for hospital bills that arise due to a work-related hazard. So long as the injury or disease is work-related, then these benefits should kick in.
Medical coverage includes doctor visits, hospitalization, diagnostic tests, and medications. It also pays for durable medical equipment (DME), such as crutches or wheelchairs. Physical therapy and nursing care are usually part of the inclusions, too.
Worker’s comp also covers job injuries or illnesses that occur outside the workplace. So long as it has to do with the employee’s work, then it should provide coverage.
An example is getting into a car accident while you’re on the clock to go to a scheduled client meeting. Since it’s part of your job, your worker’s comp should cover the medical costs to treat your crash injuries.
Workers’ compensation coverage also compensates injured or ill workers for lost income. Disability payments replace a part of or all the wages an eligible employee loses due to a work hazard. Depending on the nature of the injury or illness, payments can be temporary or permanent.
Rehabilitation benefits provide coverage for medical and therapeutic healthcare services. Physical therapy, which your doctor may prescribe to help heal your injury, is one example. The goal is to help you recover from your ailment so that you can go back to your normal job.
If your job injury or illness keeps you from doing so, you may need vocational rehabilitation (VR). VRs are services designed to help people with disabilities return to work. They can consist of education or retraining aimed to help you develop skills for a different job.
In 2019 alone, work accidents and illnesses claimed the lives of over 5,000 workers. This means that 15 workers died each day on the job.
In such unfortunate incidents, worker’s comp pays death benefits to the employees’ beneficiaries. In most cases, these are the deceased workers’ direct family, such as spouses or children.
Most states calculate death benefits as a portion of the deceased employees’ income. Some states pay this out in a lump sum, while others provide minimum and maximum amounts.
All Employees Deserve These Workers’ Compensation Benefits
There you have it, your ultimate guide on all the types of workers’ compensation benefits. Now, you know that worker’s comp should be available to almost every worker. So, as a hardworking employee, make sure your employer gives you access to this coverage.
Because unless you’re in Texas, these are benefits you most likely have the right to receive.
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