Understanding workers' compensation is an essential benefit for employees who suffer injuries or illnesses at work. This knowledge can empower workers to navigate their options more effectively, ensuring they receive the support they need during difficult times. Workers' compensation plays a crucial role in aiding employees by covering medical expenses and providing financial support during recovery.

Here are the three key types of workers' compensation that all employees should be aware of:

Authorized Medical

This coverage entails the policy paying for the worker’s medical costs following an incident. It often extends to cover the time the worker loses from work due to the injury. For example, if you suffer a back injury while lifting heavy boxes at work and need surgery, authorized medical coverage will cover the costs of the operation, rehabilitation, and related medical expenses.

Workers' Comp Settlement

If an injured worker is dissatisfied with the coverage provided by their employer’s carrier, they may consult a lawyer to negotiate what they consider to be fair compensation for their injury. If no agreement is reached, the dispute may be settled in court. For instance, if a factory worker loses a finger and feels the compensation is inadequate, they can seek legal counsel to possibly reach a more favorable settlement.

Wage Replacement

This type of coverage provides a payment to workers who are unable to work due to an injury or illness incurred as the result of a work-related task. The benefits continue until the worker is able to return to work. An example is a construction worker who breaks a leg on-site and cannot work for three months. Wage replacement ensures they receive a portion of their wages during recovery.

Knowing the different types of workers' compensation is crucial for employees, as it can significantly help them during times of need. Being informed about one’s rights and the procedures to follow when claiming workers' compensation can make the process smoother and more efficient.

If you're facing a workplace injury, consult with a legal expert or a workers' compensation professional to get personalized advice and support tailored to your specific situation. Consider subscribing to our blog or contacting our firm for more detailed guides and assistance on workers' compensation claims.