Do you know what workers’ compensation covers?

As a worker, you hope that you never suffer an on-the-job injury. Instead, you do your best to remain safe at all times.

Even with this approach, there is always a chance that something could go wrong in the future. If this happens, you need to learn more about workers' compensation. You may be able to file a claim with the idea of receiving benefits until you can return to your job.

Here are the types of expenses workers' compensation insurance typically covers:

  • Replacement income
  • Medical care as a result of the illness or injury
  • Costs of retraining for a new position
  • Compensation for permanent injuries
  • Benefits to survivors in the event that the worker is killed at work

If a person decides to obtain workers' compensation benefits he or she is unable to file a lawsuit against the employer. Adding to this, workers' compensation does not pay for pain and suffering

If you are injured at work, you should immediately turn your attention to your health and well being. This means receiving medical treatment, often at the scene.

From there, you can learn more about workers' compensation benefits, including what you are entitled to and how it can help you from a financial perspective.

In the event of a workers' compensation claim denial, you'll want to find out what went wrong so you can take action. This often means filing an appeal with the idea of having the original decision overturned.

After a workplace injury, your life is sure to change in many ways. Workers' compensation can take a bit of stress off your shoulders.

Source: FindLaw, "Workers' Comp Benefits Explained," accessed Dec. 12, 2017

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