What it Covers

Know About Workers Compensation and what it covers

Workers compensation and what it covers is something that many employees find themselves asking when they are faced with a dilemma at work when an accident has occurred.  Compensation for employees is required by all states in the United States and what it covers will differ slightly from one place to another.  Each state has its own laws and requires a certain number of things from both businesses and employees in order to ensure that both are treated fairly and protected under the law.

It is imperative that businesses follow the law and are subscribing to a workers’ compensation program or insurance company.  If a business fails to do this, it can be held liable by the law and fines can be enforced as a matter of consequence for ignoring legal responsibility as a business.  Workers’ compensation covers medical costs an employee many incur if the worker was involved in an accident or an injury in which medical treatment, therapy, and medication was required.

Doctor visits, hospital stays, physical therapy, pain pills, casts, and wound treatment are all things which are commonly covered through the majority of workers’ compensation plans.  This is a protection which ensures that the employee is able to receive appropriate and necessary medical care if the employee was injured on the job.  Many minor accidents such as slipping on a wet floor, lifting equipment or products in a wrong way, and stretching to pull something down from a high shelf can result in serious back injuries which can require long-term medical care before the person is able to recover from the accident.  Workers’ compensation will generally cover medical treatment for injuries such as these and for more serious injuries which show immediate and serious damage to the person’s body.

Workers’ compensation and what it covers as far as financial compensation for missed wages also varies from state to state within the country.  In the beginning, workers’ compensation was voluntary for most businesses in the country and still many companies signed up for it because this type of program helped to protect companies against lawsuits from employees who had been injured on the job.  Currently, nearly all businesses comply with state regulations and provide financial compensation and medical compensation to employees who have been injured while performing standard work duties for the company.

Financial compensation through workers’ comp helps the employee to pay bills when he or she is missing work because of the injury.  Back problems, pulled muscles, and broken bones are common injuries which result from work-related accidents.  These injuries can potentially keep an employee unable from going back to work for weeks or even months, depending upon the severity of the injury.  Compensation through the insurance company the business has subscribed to will help to relieve some of the financial stress by providing a weekly check to help replace a portion of earned wages the person is missing out on.  The weekly comp check is typically not the full percentage of what the earned wages have previously been, but a percentage of the wages.

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