Types of Workers Compensation Benefits

Workers’ compensation offers awards or settlement for employees who sustain work-related illness or injuries. It also provides benefits for the surviving family members of workers who have been victims of work-related fatalities.

The federal government does not fund the Workers’ compensation system; compensations are funded by state or federal compensation funds, self-insured employers or private insurance providers. If you are entitled to workers’ compensation, you could be wondering the kind of benefits that you may get through your insurance.

This article will highlight the basic kinds of workers’ compensation benefits: medical treatment, rehabilitation, disability, and death benefits. For further insights, you may want to consult with an Arizona workers’ compensation attorney.

Medical treatment

Workers compensation takes care of the hospital and other medical costs that are needed to diagnose and treat a work-related illness or injury. In general, this benefit pays for doctor visits, surgeries, and medication. Should you need equipment, (like a special vehicle or a wheelchair)) to assist with your mobility, the workers’ compensation will likely foot that cost as well. In some cases, it will also cover services like acupuncture, counseling and pain therapy.

Other than emergency treatment, you may be required to get advance approval for medical care. Often, only acceptable medical solutions are covered. If you want to use an investigative or experimental therapy or treatment, you may have a hard time receiving compensation for that, so you may want to bring a lawyer on board.

Rehabilitation

Rehabilitation benefits pay for therapeutic and medical expenses needed to help you deal with and recover from your illness or injury. It may also pay for the necessary training and care for you to regain the abilities and skills you require to go back to work.

Disability benefits

These are designed to pay for the lost wages that you incur due to the illness or injury. The disability benefit can be categorized into four parts depending on their severity:

Temporary total disability: hinders you from working, but for a while. For this disability, you are only paid until you are completely recovered.

Temporary partial disability: hinders you from executing your normal duties for a while, but you can still do some tasks. For instance, you can work for a few hours a day while recovering. The compensation herein is to make up for the difference between the reduced earnings and pre-injury earnings.

Permanent partial disability: consists of some permanent damage that impairs your ability to work, partially. You’ll receive payments until you are able to resume your duties fully.

Permanent total disability: where the damage is severe that you cannot go back to your work. However, you don’t need to be fully incapacitated or unable to work to get a total permanent disability benefit. Having a lawyer by your side will ensure you get adequately compensated.

Death benefits

If you pass on because of your work-related illness or injury, then your surviving family (like spouses and children) who depend on you financially may get death benefits. This benefit is designed to compensate your dependents for the loss of financial support.