Any injuries that occur at work or on the job may be covered by workers’ compensation insurance, so long as your employer has coverage. When you accept a job, it’s important to ask about coverage and benefits in case of an accident. The last thing you want is to be stuck with bills you can’t pay because of an injury. Here’s what most policies cover so that you know exactly what to keep track of and submit a claim for if you get injured.
Medical treatment is incredibly expensive today, and most people cannot afford to pay bills out of pocket without insurance. If your injury takes you in an ambulance, checks you into the hospital, requires tests, exams or surgeries, or needs physical therapy for a full recovery, then workers’ compensation has you covered. It is vital that you keep records of all medical bills related to the injury, as you will need them to prove how much you need compensated.
Lost wages occur when you can no longer work because of your injury. Some jobs are physically demanding, and a severe injury puts people out of work until they are able to get therapy and recover. During that time, you’re probably wondering how you can afford to live. Getting your medical bills covered is wonderful, but it won’t help much if you don’t have a wage to buy groceries. Workers’ compensation usually covers employees for lost wages up to a certain amount so that they can stay on their feet during this critical period.
Disabilities can impact a person for the rest of their life. Some are temporary, but others last forever. Workers’ compensation provides disability coverage to pay for lost wages in the event that someone can no longer earn because of the permanent effects of their injury.
Sometimes accidents at work lead to death. When this happens, the family may not have the money to pay for a funeral. Workers’ compensation assists in the case of death at work, providing the expenses to cover the funeral. Death benefits may also be included in workers’ compensation coverage.
Any other costs related to your injury can be compensated. For example, if you have to buy a wheelchair or crutches, you can get compensation for the cost of these items. Any expense that you would otherwise have not paid if it weren’t for your injury can get covered.Talk to a lawyer if you aren’t sure about what may be covered in your claim. There are many expenses or things covered that a workers compensation lawyer from a law firm like Hickey & Turim, SC can assist you with.