State law entitles workers and employees to individual workers compensation benefits as a result of injury or illness at the workplace.

The major kinds of benefits provided to workers are not consistent across different states. The amount of benefits provided to the workers and how these are delivered varies from state to state.

 

Primary Types of Workers Compensation Benefits

There are four fundamental kinds of workers compensation benefits which are virtually covered by all states. These include:

  • Medical coverage: A majority of injured workers receive medical coverage for their filed workers compensation insurance claim. The medical coverage generally provides for the cost of doctor’s fee, hospital visits, and treatment, medications, tests for medical diagnosis, nursing care, physiotherapy, and medical equipment (if required). Many states entitle the workers to a managed care plan from their employers or the workers’ compensation insurance provider. The laws of managed medical care plan vary extensively across different states. 
  • Disability: The purpose of disability benefits is to compensate for some portion of income which the worker loses due to a work-related disability. 
  • Rehabilitation: Most states offer some vocational training rehabilitation programs to injured workers who are unable to resume their previous job due to their workplace injury.  
  • Death: If the worker dies due to a workplace injury or illness, their family is entitled to receive death benefits along with burial costs.  

The major kinds of benefits provided to workers are not consistent across different states. The amount of benefits provided to the workers and how these are delivered varies from state to state.

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