Realtimecampaign.com Discusses What’s Covered by Workers Compensation Insurance?

Realtimecampaign.com Discusses What’s Covered by Workers Compensation Insurance?

Workers’ compensation is a form of insurance purchased by business owners to provide benefits to employees who are injured or become sick at work. Just about every state requires businesses with a certain number of employees to carry workers’ compensation, although the specific rules regarding those requirements vary significantly. Most require coverage for full-time employees, but some also expect businesses to take out policies covering part-time workers, temps, interns, and even contractors. No matter where a business is located, though, workers’ compensation benefits help cover the same losses.

Medical Expenses

In all cases, medical expenses related to the injury or illness will be covered by workers’ compensation insurance. Those expenses include emergency room visits and ongoing care. Prescription drugs, surgeries, and physical therapy may also be covered, depending on the nature of the injury or illness. Anyone interested in discovering more about what types of medical expenses are covered can look at this website for a full list.

Missed Wages

Employees who are injured at work shouldn’t have to worry about how they will get by and pay the bills while they heal. They will face better outcomes if allowed to focus exclusively on healing and moving forward. According to realtimecampaign.com, that’s part of the reason workers’ compensation insurance always helps to replace wages lost while a qualified employee is unable to work. Working with a company such as Thimble may help.

Temporary or Permanent Disability

In some cases, workplace injuries are so severe that they temporarily or even permanently disable the affected employee. Workers’ compensation covers treatment costs for partially or fully disabling conditions and can supplement lost wages through disability benefits. In some cases, disabled workers are eventually able to return to the workforce, but it’s important for them to have the support required to get back to that point.

Funeral Costs

No employer wants to think about what could happen if a valued employee passes away due to a work-related accident or illness. Unfortunately, though, these situations come up and the fatal work injury rate in the United States is currently around 3.6 per 100,000 full-time workers. When this kind of devastating event occurs, workers’ compensation insurance allows employers to help cover funeral costs and provide death benefits to the deceased worker’s beneficiaries.

Lawsuits Related to Workplace Illnesses and Injuries

A recent decision by the SC Supreme Court: Missed Deadline Not Reason to Dismiss Workers’ Comp Fee Appeal, does not change the basics of how the program’s coverage for attorney’s fees and court costs works. If workers claim that they were injured or became ill due to an employer’s failure to provide a safe workplace, they can sue. The employer’s insurance covers not just attorney’s fees and court costs but also settlements.

Workers’ Compensation Insurance Is Vital to Employees and Employers

It’s not just injured employees who are better off when employers carry workers’ compensation insurance. Employers also benefit from the peace of mind of knowing they won’t have to pay out of pocket for medical expenses or legal costs associated with workplace injuries. Start looking into affordable insurance options today.

 

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