Benefits from workers’ compensation insurance may be modest, but they are extremely important to an employee who is unable to work due to an injury or illness suffered on the job.
Employers are required by state law to purchase workers comp insurance, so that employees who are injured on the job can receive the following:
- Payment for medical care, including initial emergency treatment and subsequent care such as doctor consultations, tests, surgeries, and physical therapy. Prescription medicines and transportation costs are also usually covered.
- Replacement income for up to two years. Although this benefit is generally two-thirds of the employee’s average weekly wage, it is not subject to taxes.
- Retraining for a new job, if it becomes necessary. Many workers use this opportunity to move into a field that may be more secure in the long run or less physically demanding.
- Payment for an impairment that is deemed permanent.
- Burial expenses and possibly a lump-sum payment to relatives of a person who is killed on the job.
Employees may begin receiving workers’ comp benefits within days after a doctor has documented that a worker’s injury or sickness is serious enough to warrant time off.
You May Require Legal Help With Your Case
Your case may seem simple to you, but workers’ comp law can be complex. Hiring an attorney who has experience handling workers’ compensation cases is a good idea, whether or not your employer contests your claim.
Legal representation can be the difference between being required to return to work before you believe you are physically able and acquiring the time and benefits you need to fully recover from your injuries or illness. If you’re in the Las Vegas area, call 702-388-4476 for a free consultation on your workers’ compensation case.