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Workers' comp insurance is meant to take care of all employees who suffered work-related injuries that prevent them from doing their everyday work and threaten their quality of life. It can also cover non-medical damages if the worker dies in a work-related accident. In these cases, the family is entitled to get workers comp to take care of all funeral and medical expenses.
Because of this, all businesses must have a workers' insurance company to protect their employees. Otherwise, if an accident happens, the injured worker is entitled to file a claim against their workplace, and the owner will have to pay for it out-of-pocket. The compensation benefits vary from state to state and depend on the type of injury suffered by the employee. In some states, there is a time limit for receiving temporary benefits, ranging from three to seven years, or until the worker reaches maximum medical improvement. However, there's no limit to permanent partial disability benefits.
What Are the Workers' Compensation Benefits?
Some of the expenses covered by the insurance company are the following.
Medical Expenses
This is one of the most significant expenses that must be covered after a workplace injury. The injured worker will be able to afford all the treatments they need to recover from their injury or illness thanks to the medical benefits of the workers' compensation insurer.
Missed Wages
If the employees receive compensation benefits, they can also recover some of their missed wages while recovering from their injuries.
Ongoing Care
If the injury or illness is too severe, it may need ongoing medical care, and the insurance company should also take care of those expenses.
Funeral Costs
Sometimes, a workplace accident will result in the death of an employee. In those cases, the workers' comp should take care of all funeral costs and other damages inflicted on the worker's family.
Illness
If the working conditions aren't the best, they can expose the employees to dangerous chemicals and other substances that can lead to illness. Workers comp should also take care of their medical treatment when this happens.
Repetitive Injury
Sometimes a work-related injury or illness will be caused by repetitive injuries that can take years to develop, such as carpal syndrome caused by poor ergonomics. In these cases, the workers' compensation insurance carrier will also take care of the temporary total disability benefits.
Disability
Suppose the injury is severe enough to cause a temporary or permanent disability to the worker. In that case, they are entitled to get their medical bills paid and receive some of their lost income thanks to workers comp. However, a workers' compensation insurance company will classify disabilities on a disability rating scale to determine how much each worker should get.
What Are the Workers Comp Permanent Disability Benefits?
Workers comp claims for liability benefits can be classified into temporary or permanent benefits and total or partial benefits. The following list will describe each type and the benefits they get.
Temporary Total Disability
This temporary disability consists of an injury that prevents the employee from working, but only for a determined time period. After it ends, they can return to work.
Temporary Partial Disability
A temporary partial disability consists of an injury that allows the employee to perform some tasks, but workers comp will still have to take care of their medical bills.
Permanent Total Disability
Permanent total disabilities are granted when the injured workers can't keep working after an injury, and they will be unable to perform their job again. Some examples of this could include amputation or paralysis.
Permanent Partial Disability
This disability prevents workers from performing their regular tasks, but they can still be relocated to other jobs. Still, they are entitled to a determined number of weeks of their previous wage due to their injury.
Next Steps
In order to file a workers' compensation claim, the best thing to do is to find the best workers comp attorney in Columbus Ohio who can create a great attorney-client relationship and know everything about this compensation coverage. This will allow them to get the justice they deserve and receive workers' compensation benefits. They can help find answers to various questions surrounding workers comp, such as if one can get a lump sum from workers comp or getting to understand what a 20% impairment rating is.
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