What Are The Benefits of Workers’ Compensation

Workers' Compensation

Workers’ compensation insurance provides  medical treatment and expenses, such as initial emergency care, follow-up treatment, transportation expenses, and physical rehabilitation visits.

Such workers compensation benefits are unlimited without any deductible. They are paid until you are cured or you gain maximum relief. Medical bills are directly paid to the healthcare provider and they go to the workers’ compensation carrier. In such a case, your responsibility will be only to follow the physician’s orders.

Even though the treating medical practitioner and the workers’ compensation carrier handle the medical care, various states have different policies regarding the choice of physician. Some states direct for the worker to use an authorized physician that their employer has chosen, while others allow the employees to choose their physicians. 19 of the 29 employee-choice states limit the worker’s options to doctors who are within a managed care type network.

Time off work for recovery, which is two-thirds of your average weekly earnings, but it lasts for at most two years.

Disability/Indemnity Benefits

The disability/indemnity benefits under California workers’ compensation cover for permanent impairment, which affects your ability to do certain tasks. At times, a minor injury may qualify for a fraction of permanent disability payment.

Workers’ compensation disability benefits aim to replace a portion of the wages that a worker lose while they are disabled because of a work-related injury or illness. Classifications of disabilities are as follows:

  • Temporary Total Disability
    An employee in this condition is completely disabled by a work-related injury and is not able to work for a short period of time. For instance, you are entitled to compensation when your back or foot is injured and you are unable to work for 4 weeks. In this case, you should return to full duties after a 4-week disability.
  • Temporary Partial Disability
    This is a condition in which the employee is disabled for a short period of time. For instance, when your arm joints dislocate and you work part-time as you heal.
  • Permanent Total Disability
    This condition refers to when an employee has sustained a permanent injury (an injury that is incurable). This injury significantly affects the worker as they can no longer perform the type of duties they were performing before the incident. As a result, they cannot earn future income for that kind of job.
  • Permanent Partial Disability
    An employee has sustained a permanent injury that prevents them from earning as they used to prior to the injury in this condition. For example, hearing loss.

Rehabilitation Benefits

Most states offer as one of workers’ compensation insurance benefits a vocational rehabilitation to employees who are not able to resume their previous tasks due to a work-related injury. Some states also offer psychological rehabilitation if an employee has suffered an on-the-job mental injury.

Vocational rehabilitation or supplemental job displacement

Many states pay for certain job retraining or re-education as one of the workers’ compensation benefits if a worker requires a change of job or field.

Death Benefits

In most states, if a worker dies, their dependents are entitled to a lump-sum payment and burial expenses.

In order for one to collect death benefits from the workers’ comp policy, the following conditions must be met:

  1. The death has to have occurred within a specified period of time following the on-the-job injury.
  2. One has to make a death benefits request within a specified period following the worker’s death. This helps in avoiding long-tail death claims.

Contact us now for more information

Strong Tie Insurance has been providing California workers compensation insurance information to businesses of all sizes. If you would like to know more about the workers’ compensation benefits or would like to purchase a policy for your business now, we can surely help. Contact us now for an obligation-free consultation or for a workers’ comp quote.