As a worker, you may be aware of the worker’s compensation policy that provides you with all sorts of benefits in cases of injury. It is essential to remain aware of such benefits to ensure you use them properly when worst comes to worst. Generally, every state has four types of benefits for the injured. While the types are more or less similar across the nation, the amount or percentage of the benefits might differ according to state-specific laws.
Let’s learn more about such benefits in deep to acquire a basic knowledge of the basic worker compensation rights.
Medical Coverage
Workers compensation can pay for medical expenses involved in treating an injury sustained on the job. Medical coverage generally covers doctor’s fees, hospital bills, nursing care, medications, therapy cost, diagnostic tests, medical equipment, and more. Medical coverage provides benefits until the worker is fully recovered from his/her injury. Injury can be of any form such as dental, cardiovascular, bone-related, etc. For any dental-related injuries in Arizona, you can visit Peak Family Dental Care. It is important to determine what coverage your company’s compensation policy provides before making any claims. There are different plans that can be in play.
Disability Benefits
Severe injuries might lead to disability. Workmen compensation policies are designed to replace the wages a worker loses due to his/her disability to do the work. Disability is further divides into four categories that determine the percentage of compensation:
· Temporary Total: Complete disability and inability to work for a short period.
· Temporary Partial: Worker is partially disabled due to a short term injury.
· Permanent Total: The worker is permanently injured that cannot be cured and cannot earn income with his performance.
· Permanent Partial: Worker has permanently injured a body part that prevents him/her from earning as much income as he/she earned before the injury.
Rehabilitation Benefits
Some of the injuries might require rehabilitation, such as mental injury. Most of the workmen’s compensation policy provides vocational rehabilitation for those who are unable to return to their work due to their on-the-job injury. Some policies also offer psychological rehabilitation, as well. For a successful claim, hire an injury lawyer.
Death Benefits
Highly severe injuries may result in the death of the worker. If a worker dies due to work-related injury, the benefits are given to the deceased spouse, minor children, and other dependents. Some of the workmen’s compensation policies also cover the funeral and burial services costs.
Conclusion
A workers compensation policy is designed to provide workers with benefits. The injury occurred during the working hours, and the expenses following it are covered under workmen compensation policy. It is important to know everything about your rights as the information will come handy at the right time. There are majorly four types of workmen compensation benefits for the injured: medical coverage, disability benefits, rehabilitation, and death benefits.
Remaining aware of your rights will help you use these rights at the time. When you are injured during the working hours, your expenses will be borne by the company, and with the help of an experienced workers comp attorney, any disability, and death due to the injury will also be compensated accordingly.