Employees are always an asset to a company, as without them, your company can’t go on with its day-to-day operations. With this, it’s crucial that you provide your employees with all that is due to them. From their proper salaries and benefits, all these costs may be added expenses, but it’s always worth investing in your company’s workforce.
One of the benefits of being an employee is workers’ compensation. Workers’ compensation doesn’t refer to the employee’s salary; it refers to the benefits that an injured employee can receive while he can’t work as productively as he used to. Here are some of the benefits that an employee can get from workers’ compensation:
#1. It’s a no-fault system
Above all the benefits, the best thing you should remember is the workers’ compensation insurance system is a no-fault system. When you say no-fault, it means that you, as an employee can still claim their insurance, regardless of who is at fault. With workers’ compensation, you can claim the medical care that you need without spending a single dollar from your pocket. Apart from medical care, you’ll also receive benefits while you can’t report to work, or in case of death, you can assure your loved ones left behind will at least have some sum of money to start their life over again.
To help you with processing your claims and benefits, or pursuing your rights, CA Workers’ Compensation Attorney are knowledgeable with all these benefits if you want to get the right head start, especially when you’re unable to think clearly as to where to begin after an injury.
#2. It provides you with medical coverage
Benefits for medical coverage will cover occupational health issues, like those that you incur because of the nature of your job. Your medical coverage will include the following, as provided in this article:
- Payment for doctor’s visits and treatment
- Medical laboratory examinations
- Hospital treatment and care
- Purchase of medicines with prescription
- Physical and rehabilitation therapy
- Purchase of medical equipment such as blood pressure monitor, wheelchair, nebulizer, and the like
You’ll get to enjoy your medical care insurance until such time that you fully recover from your injury.
#3. It provides you with disability pay
When you’re disabled from reporting to work due to the nature of your injury, the workers’ compensation insurance will provide you with a certain percentage of your monthly salary. While you’re not capacitated to earn your full salary, your disability payments will help you cover your daily household expenses. Disability pay is grouped according to the following:
- Temporary Total, refers to when the employee is disabled, but only for a brief period, such as when you have a fracture in your limbs or feet
- Temporary Partial refers to when the employee is partly disabled for a short period, such as minor cuts or burns
- Permanent Total refers to when an employee has a permanent disability that can no longer be cured, such as amputation of limbs, that’ll inhibit the employee from performing in the future any work that he is used to doing.
- Permanent Partial refers to when an employee sustained a permanent disability, like a hearing problem, that although permanent, can still enable the employee to earn from another job in the future
#4. It’ll provide you with rehabilitative care
Apart from simply focusing on physical injuries, workers’ compensation also covers rehabilitation for any mental injury that you may have sustained. For example, you had an accident where your head was injured. Because of this accident, you lost some mental capacity that’ll need rehabilitative care.
#5. It’ll provide your heirs and beneficiaries with death benefits
In some unfortunate cases, death may occur as a result of accidents in the workplace. When this happens, your beneficiaries can receive a death benefit that is commensurate with the amount that you used to earn as your monthly wage. The death benefits that your heirs will receive are meant to help them start over again, as necessary support for their needs after losing a loved one.
Death benefits will also cover funeral expenses. Beneficiaries of this benefit are the following:
- Worker’s spouse.
- Minor children, or children above the legal age, but are incapacitated to work for themselves or are continuing their education.
- Other beneficiaries, such as employee’s parents or siblings, in the absence of a spouse or minor children.
All these enumerated benefits of workers’ compensation can be summarized into four categories: medical coverage, disability benefits, rehabilitation, and death benefits. All these are in place so your employees can have the best care after meeting an unfortunate injury or medical problem. All these benefits are uniform across all states, but may only vary in the way that they’re implemented or given to each employee. According to this Georgia workers’ compensation attorney, workers’ compensation was created so that an injured employee’s wellbeing can be taken care of and given due consideration.