What Does Workers Comp Cover for Workplace Injuries?
Workers' Compensation covers a wide range of expenses related to workplace injuries or illnesses. The main coverage includes medical treatment for the injury, such as hospital visits, surgeries, and necessary rehabilitation. It also provides compensation for lost wages during the recovery period if the employee is unable to work. Depending on the severity of the injury, Workers Comp may cover temporary or permanent disability benefits, which compensate for reduced earning capacity or permanent impairment caused by the injury.
Additionally, Workers Comp may cover vocational rehabilitation if the injured worker is unable to return to their previous job due to long-term effects of the injury. The program can help workers retrain or find a new job that accommodates their condition. In the event of a fatal injury, Workers Comp provides death benefits to the family of the deceased worker, which may include funeral expenses and financial support for dependents. However, it is important to note that Workers Comp typically does not cover pain and suffering, emotional distress, or damages for long-term personal injury claims outside of the benefits outlined.
