Workers’ compensation insurance covers your employees if they suffer an injury or illness at work. Most states require this sort of insurance, and companies are responsible for purchasing and providing it to their employees.
If your employee suffers an injury or illness as a result of their job, they may be able to file a workers’ compensation claim to assist cover the costs of their medical care. This can include assisting with the payment of their:
Your employee may require continued treatment in order to recover from a more serious injury or illness. Workers’ compensation normally covers these expenditures, however, it may not pay certain types of alternative care, such as:
Temporary total disability means that your wounded employee will be unable to work for a set period of time but will be able to return to work at full capacity when that time has passed.
They can work at a reduced capacity without taking time off due to temporary partial disability. An employee who slips in the office and fractures her wrist, for example, maybe partially incapacitated and allowed to return to work, but only for half days until her wrist heals.
Your employee will be absolutely unable to work and will never be able to return to their old position due to permanent total disability.
Your employee can return to work with a permanent partial handicap, but they will never be able to work in the same capacity as before the injury.
This may include ongoing physical treatment or vocational rehabilitation to assist them in learning new skills in order to return to work in a different capacity. Workers’ compensation might also aid with new training and certifications.
A Transferable Skills Analysis may be requested for your impaired employee. This makes it easier for individuals to locate new jobs where they can learn new skills and work around their impairment. The analysis is usually performed by a vocational counsellor assigned to your employee. These counsellors can also assist your employee in obtaining new education or training. Most workers’ compensation programmes include a two-year vocational rehabilitation programme.
Workers’ compensation can give payments to an employee’s family and beneficiaries if they die as a result of a work-related accident or sickness. These benefits may be able to assist them in covering funeral costs and lost income. Most insurance policies contain a cap on these costs, which varies by state. If your insurance provider determines that your spending is excessive or unwarranted, they may deny your claim.
