Workers' Compensation in Its Different Forms

​You may be qualified for workers' compensation payments if you are injured on the job or get an illness due to your work. Those who suffer a work-related accident or occupational disease can get four different types of benefits under workers' compensation. 

Various Types Of Workers' Compensation
The consultation is free and confidential if you have a work-related injury or sickness. Don't be afraid to learn more about the various types of workers' compensation that you may be eligible for due to a workplace injury or illness.

Medical Perks

• Doctor's appointments
• Hospitalizations
• Operations
• Treatments
• Occupational and physical therapy
• Medical devices such as crutches/braces

You could be given a specifically authorized provider. Otherwise, you may be permitted to choose from a list of authorized professionals or facilities. You may also be required to seek covered therapy from a provider authorized by your employer or the workers' compensation insurer.

Benefits for the Disabled
Workers' compensation disability benefits are meant to partially replace wages or income lost due to an injury that refrains you from working. Disability benefits are divided into four categories:

• Temporary total disability benefits
• Temporary partial disability benefits 
• Permanent partial disability benefits
• Permanent total disability benefits

Career Support Benefits for Rehabilitation
Rehabilitation benefits are also available through the workers' compensation system to assist you in returning to work. Training in different sorts of work and job placement services are examples of rehabilitation advantages. Education/training/skills that pay at least 80% of pre-injury/illness income are examples of vocational aid.

Benefits on Death
The workers' compensation system requires certain payments to be provided to the deceased worker's surviving spouse, children, and other qualifying dependents if they die due to a workplace injury or occupational sickness. Workers' compensation death payments may include the following:

• Reimbursement of funeral and burial expenses
• Payments to a spouse who is no longer alive
• Payments to children who are still alive
• Payments to surviving heirs and children

Scholarships for post-secondary or trade school study may also be available to the children of deceased workers.

Conclusion
Your employees will feel more at ease working for you when you communicate your company's workers' compensation policy openly and honestly. Working with workers' compensation insurance protects your company and your employees, so be sure you're doing everything you can to safeguard their safety and well-being.

At Cornerstone Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (888) 661-8831 or Click Here to request a free quote.  Coverage discussed is not guaranteed. Please contact our agents to make sure you have adequate coverage and your needs are being met. We are happy to help!