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Workers Compensation Benefits

Workers compensation benefits are available to qualified workers who are injured, suffer illness, or are killed on the job. Workers compensation benefits are provided through the insurance policy obtained by an employer. Employers in all fifty states are required by law to obtain workers compensation insurance. This coverage provides protection for workers in the form of workers compensation benefits and provides protection for employers against lawsuits filed by injured workers. In this way, the workers compensation system is a no-fault structure which provides workers compensation benefits to both workers and employers.

Workers Compensation Benefits Factors

Workers compensation benefits are determined by a number of factors. Every state has its own laws which govern the proper method of providing and delivering workers compensation benefits. The extent of an employees injury or illness will also determine their eligibility for workers compensation benefits.

Injured employees may be eligible for workers compensation benefits that include coverage for medical expenses, and loss of income. Medical care is provided via workers compensation benefits for an injured employer. Generally, the first thirty days of medical care are controlled by the employer, then the patient may be able to choose what doctor or facility they wish to use. Medical expenses are usually fully covered by workers compensation benefits including the cost of mileage to and from the doctors and the cost of related prescription medications.

Workers Compensation Indemnity Benefits

Workers compensation benefits also include weekly indemnity benefits. A person who receives workers compensation for lost wages generally only receives a percentage of what they normally made prior to the injury or illness. An injured employees weekly wage is calculated and then a certain percentage of that amount is awarded to an injured or ill employee who is eligible for these workers compensation benefits. The percentage is generally between 60 and 90 percent of a persons normal wages. Temporary partial disability workers compensation benefits typically offer 60 percent of a persons pre-injury wages.

A person can also receive loss of wage compensation in the case of total and permanent disability which results in the loss of a body parts functioning. In these cases a person may also be eligible for cost of living workers compensation benefits when they have been disabled for a specified period, denied social security benefits, and receive less than the states average weekly wage.

Workers Compensation in a Death Case

In cases where a work related injury or illness results in death, the survivors of a victim may be eligible for workers compensation benefits. This can include expenses associated with the death and all other expenses related to the work related incident. Other workers compensation benefits can include vocational rehabilitation, compulsory reinstatement of previous employment position, or temporary reassignment to feasible employment duties, given the nature of the illness or injury.

For more information on workers compensation benefits, you may wish to contact a knowledgeable workers compensation attorney who can protect your rights.

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