Worker’s Compensation

The Workers’ Compensation

The workers’ compensation is an insurance program mandated by the state that provides benefits and medical care to employees who sustained job-related injuries. Through this program, an injured employee is guaranteed benefits regardless of who was at fault and employer have the assurance they will not be sued in court for damages by the employee.

 

Some of the Benefits under Workers’ Compensation

Medical Care

To treat and alleviate the results of the acquired injury, the injured worker has the right to all reasonable necessary treatments. This includes medical bills, medications, and round-trip transport to the hospital.

Compensation for Temporary Disability

The injured employee may be entitled to temporary disability compensation if obligated to miss work due to medical conditions related to the injury. This compensation for the employee’s temporal disability provides for the lost wages. This kind of compensation requires a medical doctor to confirm the incapability to work and takes place every two weeks.

 

Compensation for Permanent Disability

The injured employee who can’t fully recuperate from the sustained injuries can be entitled to a lump sum compensation for permanent disability. The amount and rate of the permanent disability compensation will be based on the employee’s age, occupation, income rate at the time of injury, and the degree of effect of the injury on the employee.

Compensation for Vocational Rehabilitation

There are cases which the injury prevents the employee from returning to their job, thus assistance in getting another job or vocational rehabilitation may be integrated in employee’s compensation benefits. Usually vocational rehabilitation compensation includes a maximum financial limit, and may be substituted by a proposal of different job from the employer.

 

In order to meet the workers’ compensation requirements, the injured party must be an actual employee of the employer at the time of injury and the injuries sustained have to be work related. The workers’ compensation is designed to provide benefits and medical care to injured employees notwithstanding as to which party is at fault, as long as the injury is work-related. Worker’s compensation typical injuries covered are chronic stress injuries, illnesses or diseases that are a gradual result of work conditions, traumatic physical injuries, recurring trauma injuries, psychological injuries related with physical injury, and some other occupational diseases.