Workers’ Compensation: What It Covers & How It Works
As explained by HealthDay in their article, “Workers’ Comp: What It Is, Who’s Covered & How It Works,” workers’ compensation is a vital safety net for employees who suffer work-related injuries or illnesses. This employer-funded insurance helps cover medical expenses, lost wages, and disability benefits, ensuring financial protection for injured workers.
What Does Workers’ Compensation Cover?
Workers’ comp benefits vary by state laws, but generally include:
- Medical Expenses – Covers hospital visits, medications, and emergency surgeries.
- Lost Wages – Provides partial wage replacement if an employee cannot work while recovering.
- Disability Benefits – Assists employees who suffer partial or permanent disabilities due to a work injury.
- Ongoing Care – Covers treatments like physical therapy for long-term recovery.
- Death Benefits – Includes funeral costs and survivor benefits for the worker’s family.
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Article with all rights reserved, courtesy of HealthDay — https://www.healthday.com