Workers Compensation Is Every Employee’s or Worker’s Savior

Employees need assurance that if some tragedy such as an accident or an illness befalls them at their workplace, they will be taken care of in regards to the medical expenses and their wages. Workers compensation is a mandatory program by the government and each state has its own rules to it. It provides multiple benefits to the employees. Let’s have a look at them.


Medical Costs

Employees, under workers compensation, get the benefit of full payment of medical costs for an illness or injuries sustained at the workplace. They even get their salaries for the days they were not able to go to work due to the medical issue. The program usually takes about 3 to 7 days, which is known as the waiting period, to make that payment. If an employee is absent for more days, then in those cases only medical expenses are paid for.

Temporary Disability

Employees get cash benefits depending on how long their medical condition takes to cure and how grave the condition is. Workers can expect to receive temporary total disability (TTD) gains only if they are temporarily absent from work because of their condition. Majority of the workers who get TTD benefits get back to work in time after fully recovering. In some instances though, workers start working before they have fully recovered. In such cases, they do limited work and receive differential pay. They receive temporary partial disability benefits when they get back to work on wages less than they received before their medical condition.

Permanent Disability

Workers get permanent disability benefits when they sustain an injury or an illness that is considered severe. They can get permanent total disability benefits if they are incapable of going to their workplace because of the injury suffered or illness caught. If their medical condition is permanent in nature but they are still able to work partially, in those case they can get permanent partial disability benefits.

Death

If an employee dies due to a grave injury or illness, workers compensation will take care of the burial and funeral expenses. Not only that, the program will also pay money to the deceased’s family or dependents. If the employee didn’t have any relatives or dependents, then in those cases, only funeral and burial expenses will be taken care of.


There are services which employers can contact in cases of emergencies related to workers’ injuries or illness suffered at the workplace. Services such as Prompt Urgent Care are trained to handle such grave situations with professionalism and great care and you can always rely on them to get your employee treated well and quickly.

Author’s Bio: The author is a blogger. This article is about workers compensation.

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mariadona Joined: January 22nd, 2019