What Does Workers’ Compensation Cover? 

The workers compensation system was put in place to provide workers benefits in case they ever suffer a work-related injury or illness, as a workers’ compensation lawyer in Greenville, SC can explain. The insurance system is enforced on a state level, with each state determining its own laws and regulations for how their workers’ compensation benefits are distributed. They determine the types of accidents and injuries that qualify. A workers’ compensation lawyer knows that understanding the system can be confusing and hard to understand. If you have sustained a workplace injury or illness and are applying for workers’ compensation benefits, you probably have a lot of questions about what it exactly covers. 

Immediate Treatment Expenses

When you become injured unexpectedly, there are a lot of consequences that can result. You are forced to miss time off work and pay for medical treatment. Figuring out how to manage bills and stay financially stable after a workplace injury is one of the top concerns that workers have. Workers’ compensation can cover the cost of your medical bills so it’s one less issue to be worried about. The state calculates your necessary treatment expenses to determine what benefits you will receive. Both injuries sustained on the job as well as conditions that develop after repetitive movement, such as back pain, can be covered by workers’ compensation insurance. 

Cost of Future Care 

Rehabilitation can also be costly depending on the extent of your injuries. In addition to immediate care, workers’ compensation can cover expenses related to future care. If you have a particularly serious injury or illness, you will probably require long-term care for an extended period. These costs can add up quickly. Workers’ compensation insurance can also be applied for any future medical expenses that you have, such as prescription medications or if your condition worsens and requires other necessary procedures. 

Missed Wages

A debilitating injury can force accident victims to miss weeks or even months off work. This drastic reduction in income can put a toll on workers and their families. Workers’ compensation benefits can cover the amount of missed wages that you would have earned had you not suffered an injury. As a top workers’ compensation lawyer in Greenville, SC can explain, the benefit amount you receive typically make up 2/3 of your weekly earnings prior to your injury. 

Death Benefits to Family Members

If an employee actually dies because of a work-related injury, then their family members can receive compensation. Eligible family members include the victim’s spouse and children. The benefits can apply to funeral expenses, burial expenses and other related costs that the family has to bear. Only work-related deaths are covered, so check with the employer’s workers’ compensation policy to learn more about what cases are eligible.

Many workers rely on workers’ compensation benefits to support them during stressful and unstable times. Without workers’ compensation, many workers would be left to struggle financially on their own. There are many elements involved in workers’ compensation claims, so if you are in need of assistance contact a top workers’ compensation lawyer that Greenville, Sc residents rely on. Call Poliakoff & Associates, P.A., today.