Workers’ Compensation is a “no-fault” accident insurance that is mandated in all states in the U.S. Under the Workers’ Compensation Act in most states, almost every business must have some form of work injury compensation to cover employees who get injured or sick at work. This makes way for employees to have access to immediate medical attention in the event that they get injured at the workplace while doing their job. It also applies to occupational illnesses such as asthma, dermatitis, cancer, musculoskeletal disorders, post-traumatic stress, and more.
What is a Workers’ Compensation?
As mentioned, a Workers’ Compensation (also known as Workers’ Comp) is a financial assistance mandated by the government to protect both the employers and employees.
This indemnity protects the employer from:
• paying legal expenses from being sued by employees for negligence or alleged negligence of providing safe workplace and compensations required by laws
• paying from his own pocket the medical charges when an employee gets injured or suffers from a disease caused by his or her job
• paying fines and being imprisoned
This indemnity covers the employee with:
• financial assistance for the immediate medical attention due to a workplace injury up to the limits (this may include the medical tests, treatment, rehabilitation, initial and follow up checkups, medicines, or hospitalization)
• replacement of lost wages when the employee cannot report to work due to a work-related accident or illness
Benefits for the Employees
The employer who has a Workers’ Comp policy has a preferred physician or health care provider where their injured or sick employees can get immediate medical assistance. This part of the insurance provides coverage for all medical charges such as doctor’s consultation, medicines, procedure, hospitalization, orthopedic appliances, prostheses, and other medical supplies. As long as the employee needs medical treatment, the policy will continue to compensate the needs.
In the event that the employee sought medical attention outside the State, he or she may be charged of the difference between the provider’s charge and the allowed amount.
Reimburse Income Loss for Lost Days
There are employees who stand as the breadwinners of the family, some are not but still contribute to the family income, and there are some who live independently and has no one to rely on for finances. When they get injured or ill because of work, the Workers’ Comp insurance is responsible for the payment of the employee’s missed workdays.
The coverage for the lost income is two-thirds of an average weekly income of the employee prior to the injury, up to a weekly maximum. In Pennsylvania, the lost wage pays after the employee becomes disabled for more than 7 calendar days, that means including the weekends. If the employee misses work for 14 days, he or she will receive the payment for the first week of absence.
Specific Loss Benefits
A specific loss benefits is afforded to employees who have a serious and permanent disfigurement on your head, face, or neck, as well as permanent loss of bodily function of a finger, hand, arm, leg, foot, toe, sight, or hearing.
The Workers’ Compensation insurance covers the employees who become partially or totally incapacitated from performing the hazardous work or because of suffering from an occupational disease. The temporary and permanent disability are counted.
To help the affected employee in re-employment or start a new career, part of the insurance coverage is a vocational evaluation, training, and counselling for a new job.
Funeral assistance and benevolence will be given the surviving spouse and family of the employee who dies from an accident or disease from work.
Learn more about the Workers’ Compensation in different states:
• Workers’ Compensation in North Carolina
• Workers’ Compensation in Georgia
• Workers’ Compensation in Virginia
• Workers’ Compensation in South Carolina
• Workers’ Compensation in Tennessee
• Workers’ Compensation in Mississippi
• Workers’ Compensation in Maryland
• Workers’ Compensation in Indiana
• Workers’ Compensation in Arizona
• Workers’ Compensation in Oklahoma
• Workers’ Compensation in Michigan
• Workers’ Compensation in Alabama
• Workers’ Compensation in Florida
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