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What Are Workers Compensation Benefits: A Simple Guide

Workers comp benefits give employees an average of $40,051. But what are workers compensation benefits? 

If you’ve been injured at work, you should be entitled to a range of different benefits. These can help you out with lost wages, medical bills, and more.

Almost every state offers a full range of benefits that can help you out during your time of need. Want to find out how you can get workers comp benefits? Then read on!

What Are Workers Compensation Benefits?

You are entitled to a range of different payments to help you out. The specifics will vary from state to state, but this should help you find out what is workers compensation benefits, and what kinds you’re entitled to.

Help with Medical Bills

Coping with an injury is difficult. Workmans comp benefits can help you out.

Payments should cover the costs of treatment, doctor’s visits, and any medical equipment that you require. The different types of treatments that are covered and the maximum number of visits covered may vary by state.

Disability Benefits

If your injury is severe enough to cause you disability, workers comp benefits have got you covered. 

If you are temporarily disabled, for example, if you suffer a broken leg, you will receive payments for the duration of your disability. You will not normally receive full wages, but you will receive a proportion of your normal wage.

If you suffer a permanent and total disability, you will receive payments for the rest of your life. If you suffer a permanent, partial disability, you will receive a set number of payments. 

Help with Rehabilitation

If you’re injured and need treatment to get you back to work, such as physical therapy, workers comp should cover the costs of your rehabilitation. Some states will also make allowances for mental health problems caused by an accident or problem at work.

Death Payments

If you are killed at work, your dependents will receive a payment. Some of your funeral costs will also be covered by workmans comp benefits.

Workers Comp FAQs

In this section, we’re going to take a look at common questions about workers comp. Here’s what you need to know.

Am I Covered?

You are covered by workers comp. It is required for all workers in the United States.

Do I Need to Claim?

You will not receive any workers comp benefits if you don’t make a claim. You will need to make a claim to your employer to receive any money. You should also collect any witnesses that you need to support your claim.

Don’t worry about repercussions either: it is a federal crime for an employer to retaliate against an employee for making a claim.

Can I Still Sue My Employer?

If your accident was outside the scope of your normal job description, you can still sue your employer. We’d recommend filing a lawsuit if the accident could have been prevented by your employer.

Final Thoughts on Workers Comp

We hope that we’ve answered your questions about “what are workers compensation benefits”. If you’ve been injured in an accident that wasn’t your fault, you should claim all you can to help with your bills and lost income.

Be sure to check out the rest of our blog for more helpful content!