A routine day at work is suddenly disrupted by an accident at your job site. You have sustained an injury. You quickly realize that the injury affects not only your well-being but also your family’s security.
After attending to your medical needs, you may have questions regarding the economic consequences of your accident.
How will you survive financially if you cannot work?
You may be eligible for benefits through workers’ compensation.
Workers’ compensation is a state-mandated insurance program that is required by law to provide cash benefits and/or medical care payments to workers who are injured or become ill as a direct result of their jobs.
What benefits are available to you through workers’ compensation?
Workers’ compensation insurance coverage includes:
- medical care for the injury or illness
- replacement income
- costs for retraining
- benefits to survivors of workers who are killed on the job
- compensation for injuries developed from repetitious activity such as carpal tunnel syndrome or back problems
Could your job injury claim be denied?
States can deny benefits if an employee:
- was under the influence of drugs or alcohol
- intentionally inflicted self-injury
- violated a law or company policy
- was not on the job at the time of the injury
A job injury can create significant challenges to your family’s plans and stability. Workers’ compensation benefits may provide financial protection and peace of mind for you and your family. If you have other questions concerning your workers’ compensation claim, it is a good idea to get the answers before submitting the paperwork.