Workers’ Compensation is a program that requires employers to purchase insurance coverage in order to provide benefits to employees in the event that they become ill or injured while on the job. Under the coverage, workers are entitled to wage loss and the payment of reasonable and necessary medical treatment including surgical and medical services, medicine, supplies, hospital treatment and services, orthopedic appliances, prostheses and even rehabilitation. By providing this service, employers are granted protection from personal injury lawsuits by their injured employees.
There are several different classifications of benefits that can be administered through a successful Workers’ Compensation claim. Wage-loss benefits, for example, are the most common and stem from the determination that the injured employee is totally disabled and thus unable to work at all or partially disabled and working in a position earning less than their pre-injury pay. There are also specific loss benefits for those who have unfortunately lost the permanent use of all or part of one or more of their limbs and extremities, as well as either their sight or hearing or a serious and permanent disfigurement to the head, face or neck can also lead to these types of benefits. Of course there are also death benefits for surviving dependents in the event of a major accident.
It is important to note that when dealing with a Workers’ Compensation matter neither the injured worker nor the employer is determined to be at fault. That being said, if the injury resulted from either illegal action on the part of the employee (i.e drugs or alcohol) or due to their own intent to cause harm to themselves or someone else, the employee may forfeit his or her right to a claim.