Worker’s compensation benefits include rehabilitation and medical expenses, as well as disability benefits. If you suffer an on-the-job injury, you may already know about your employer’s worker’s comp insurance. Dependents of those killed at work may be able to receive death benefits through a worker’s comp program. In this article, we will briefly examine each benefit type, explaining it and its eligibility requirements.
Medical Treatment
Workers compensation medical benefits Los Angeles include any care necessary to treat and identify an illness or injury. Details vary by state, but most worker’s comp programs cover medications, surgeries and doctor’s visits. If you need medical equipment to recover, the plan will likely pay for it. In limited cases, worker’s comp also pays for pain management, counseling and acupuncture. If you need to use an experimental therapy, you may have difficulty getting reimbursed for such expenses, and you may need to hire a worker’s compensation attorney.
Rehabilitation and Therapy
Rehab benefits pay for therapy and medical care that’s needed to help an injured worker recover from an illness or injury. These benefits also pay for training and care necessary to help the worker regain the ability to hold a job. If the injury or illness prevents the worker from holding their former job, benefits may pay for tuition, retraining or evaluation expenses associated with qualifying to work in a different capacity.
Disability Benefits
The main role of disability payments is to compensate a worker for wages lost during an injury or illness. Disability falls into the following four categories:
1. Total temporary disabilities prevent workers from any kind of work, for a limited time. Most worker’s comp claims fall into this area.
2. Partial temporary disabilities prevent workers from doing some of their duties for a short time.
3. Total permanent disabilities prevent a worker from ever returning to their job. Medical incapacitation is not a requirement for this category.
4. Partial permanent disabilities occur when a worker is partially kept from doing their former job duties.
Death Benefits
Workmans Comp Insurance in Los Angeles offers death benefits to dependents of a deceased worker. Although most states pay for burial and funeral expenses, the benefit’s main purpose is to compensate for the lost financial support. Most states’ benefits are a portion of the worker’s earnings, sometimes as a lump sum. For more information specific to your case, call Kendra Beebe today.
