4 Benefits Under Workers Compensation Coverage

Posted on: 24 June 2015

If you have been injured on the job, no matter who was at fault, you should be eligible for workers compensation coverage, which includes a number of benefits. Here are the four benefits that you will obtain from your workers compensation coverage:

  1. Medical Coverage: After being injured on the job, workers compensation should cover your medical expenses. This includes physical therapy and prescriptions that you must take. This helps you to afford the care you need to return back to work in the same condition you were in before the injury was sustained. 
  2. Disability: If you were to become disabled and unable to return the condition you were in before the injury, which prevents you from working the same job, then you will receive disability coverage. This could be for a temporary amount of time or permanent depending on the disability. For example, a disability that hinders you from working in a large number of job fields typically rewards permanent disability coverage. 
  3. Vocational Rehabilitation: If you are unable to return to the same position you once worked after the sustained injury, but you can work in other fields, then you will receive vocational rehabilitation coverage, which allows you to learn a new skill in order to work in a new field. This means that your schooling costs or class and program costs will be covered.
  4. Death Benefits: Death benefits is money that is awarded to your spouse in the event that you should die on the job. Your spouse will receive the same amount of income as they would if you were still alive and well up until a certain point. This allows your spouse to continue to live with the same financial stability as before. 

Should any of these benefits not be awarded to you in the event of your on the job injury, you will need to hire a workers compensation lawyer who can help you to gain access to the benefits that you deserve. There are some situations in which your employer's workers compensation insurance believes that you are not eligible for certain benefits, which is why these situations can happen. If you feel that it is wrong, your lawyer can help you to fight the insurance company's decision. Being awarded benefits through workers compensation is your right as an employee and should not be denied if you feel that it should be awarded to you. If you're looking for a workers compensation lawyer, visit Lipman Law Firm PC.

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