Workmen’s Compensation & Employer Liability Insurance
Workmen’s compensation benefits exist to help employees who are injured while doing their jobs. Workmen’s compensation provides medical expenses, lost wages, and rehabilitation costs to employees who are injured or become ill “in the course and scope” of their job. It also pays death benefits to families of employees who die at the workplace accidents.
There are four types of workmen’s compensation benefits:
- Medical coverage: Medical coverage includes the costs of all necessary treatments related to your workplace injury or disability. Medical coverage may include compensation for medications, hospitalizations, nursing care, medical equipment, like wheelchairs or walkers, and other treatments depending upon the policy documents.
- Wage benefits: These are known as disability benefits, and they are awarded if your injuries have left you unable to work either permanently or temporarily. What you are awarded, and for how long, will be based on the severity of your injuries, how they affect your ability to return to your job.
- Vocational rehabilitation: Vocational rehabilitation is designed to help people who have been injured or disabled return to work. It may include job training, career counseling, and assistance in finding new employment.
- Death benefits: It provides compensation to the family members, if a person dies of injuries at the workplace. Death benefits usually include a sum to compensate the worker’s family for their loss, as well as coverage for funeral and burial expenses.
