How To Understand the Benefits Available Under Workers' Compensation

There are quite a number of online resources you can use to find out which benefits are available under the workers' compensation program. Some sites will offer ways on how to calculate which benefits you are entitled to, and how much they are worth in monetary value. Other sites will be able to provide you with the details on the benefits under the worker’s compensation program.

In general, the worker’s compensation benefit is divided into three main components: Medical Expenses, Disability Pay and Vocational Rehabilitation. For items that fall under the Medical Expenses benefit, the standard definition is that these expenses include costs for medical treatment, hospital fees, doctors’ consultation fees, and the like. There are also certain worker’s compensation programs that allow an injured worker to choose which medical provider he would like to use for treatment. Other states are not as lenient, however, and limit these types of medical providers which can be checked on a certain list made readily available to the public. If you are unsure of what you are entitled to, try researching the topic with your home state as one of the additional keywords. Still other states leave the choice of medical provider to the employers themselves, in which case the injured employee will be provided with a list of accredited medical providers by the company he is working in.

The second main benefit area is Disability Pay. This involves either temporary disability, for which you may currently be undergoing therapy or rehabilitation or permanent disability, which from a medical standpoint means that you will no longer be able to recover from the affliction or disability. At its highest, this type of disability can reach up to two-thirds of your normal pay.

Vocational Rehabilitation is the third and last main component of the worker’s compensation program. This benefit can be claimed if your injury will prevent you from completing the duties and responsibilities attached to your current job. If you are deemed unable to work, you may be asked to complete re-training, at your company’s expense. If, for example, you would like to shift your career into a different field altogether, you can avail of re-training in a new skill, which can help you get back on your feet. This type of rehabilitation also encompasses physical therapy or rehabilitation, so that you can get your strength back from a medical standpoint.

You should also be aware of your rights. Your employer is legally obligated to follow safety standards as dictated by either federal or state governing bodies. If your employer fails to do this, or fails to correct an error or defect, or puts his employees at risk by making them work in a hazardous environment wherein your health could ultimately suffer, you employer can be penalized and punished to the full extent of the law. Be sure that you inspect your work environment or the processes that you are involved in just to be sure that your workplace is safe. As the old adage goes, “It’s better to be safe than sorry.” 


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