Workers’ compensation insurance or just workers’ compensation provides reimbursements to help employees who get sick or injured from work-related causes. People who get involved in a workplace accident might end up with severe injuries and are unable to work for a certain amount of time until they recover.
Some injuries can prevent them from working, making it hard for them to make an earning. Workers’ compensation benefits exist to support the workers in this duration. There are different types of benefits you can enjoy through workplace injury compensation.
It decreases your liability for work-related injuries and illnesses. Any employee suffering from such workplace injuries can sue the employer to help pay for their medical costs or lost wages in the course of the recovery.
Each state has different rules for workers’ compensation insurance. That’s why you require professional assistance from qualified lawyers to guide you regarding the compensation rules and limitations or the proper way to file a claim.
What Does Workers’ Comp Cover?
If you get injured due to a work-related accident in North Atlanta, Georgia, your employee is bound to help you cover for:
- Medical expenses
- Lost wages
- Ongoing care costs
- Funeral expenses
These benefits are only applicable for injuries caused on the worksite. They won’t be available if you get hurt outside of work. Benefits will not be available in case the worker was at fault, intoxicated, or intentionally hurts themselves.
A professional attorney can help you know whether you can apply for workers’ compensation or not.
Medical Expenses
It becomes difficult to pay for several medical bills while being injured and not working. Workers’ compensation insurance offers coverage to support the employees to pay for their medical expenses related to a work-related injury or illness.
Medical coverage includes the charges of all essential treatments related to your workplace injury. The compensation covers emergency room visits, necessary surgeries, medications, hospitalizations, nursing care, medical equipment, and regular prescriptions.
Missed Wages
A worker can’t keep working while being injured from a work-related injury, resulting in lost wages. Workers’ compensation helps the employees, paying the lost income if they need time off to recover from a work-related injury or illness.
Ongoing Care
Some workers can get involved in extreme accidents leading to severe work-related injuries or illnesses. In case if a warehouse employee hurts their back while lifting heavy boxes, workers’ comp insurance can cover their ongoing care costs, like physical therapy.
Funeral Costs
In the unfortunate event that a worker dies from workplace accident injuries, workers’ compensation also provides death benefits. These reimbursements can help cover the funeral or burial costs to the employee’s beneficiaries, such as the employee’s spouse, children, or dependents.
Illness
In some cases, working conditions expose you to harmful chemicals or allergens that lead to serious illness. If you get sick because of some workplace-related accident or conditions, workers’ comp insurance is obliged to help cover costs for essential treatment and ongoing care.
Repetitive Injury
It would be wrong to think that all work-related injuries occur because of a single traumatic incident. Most repetitive injuries can take months or years to develop. Workers’ comp can help cover treatment costs and ongoing care bills.
Disability
Some injuries may be too severe to leave you unable to work either permanently or temporarily. Workers’ compensation coverage offers benefits to disabled employees for paying their medical bills and replaces some of the lost wages.
Vocational Rehabilitation
Vocational rehabilitation helps people who have been injured or disabled but can’t return to work because of the injuries; they can request vocational rehabilitation. It may include job training, career counseling, and help to find a new job.
Pain and Suffering
The workers’ compensation benefits offered by an employer don’t cover pain and suffering. But you can seek these damages by filing a civil lawsuit against a third party. Instead of your employer, you can file a suit against a property owner, equipment manufacturer, or another contractor if your injuries were caused by their negligence.
You require professional assistance to guide you through the process.
Let Us Help With Your Workers’ Compensation Claims
Were you injured in a work-related accident?
At 1Georgia Injury Lawyers, we are eager to help victims seek justice. Our team of proficient and qualified lawyers fights persistently on your behalf to help you get the rightful compensation you deserve. You can contact our offices anytime to take advantage of a free consultation. Our customer care services help you get a quote and learn more about workers’ comp coverage.
