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Workers’ compensation is a form of personal injury insurance provided by employers for their employees. This insurance is meant to cover employees who are injured while at work, or become ill with an occupational related disease. Each employer in the United States is obligated to comply with the workers’ compensation laws. Your employer must pay for workers’ compensation insurance so that if you are injured, this personal injury insurance will provide you with cash benefits and medical care. If you are disabled due to a work injury, or work related illness, workers’ compensation insurance is obligated to provide you with some form of disability insurance. In the case that death results from a work injury, the benefits then become payable to the employee’s spouse and dependents. When a personal injury is due to an employment related accident or illness, workers’ compensation insurance ensures that you receive all required medical care that your injury or recovery may involve. This may include hospital care, surgery, prescription medication, and more. Workers’ compensation is also responsible to replace your wages while you are unable to work. The percentage of your wages that you will get is two-thirds of your average weekly salary, up to $400 a week. Some additional benefits you may be entitled to include: added supplemental wage replacement, health insurance coverage, and retirement service credit. If you become permanently disabled due to a work related illness or accident, you may be entitled to disability retirement benefits. In addition, if you should die as a direct result of an injury or illness due to your employment, your spouse and children could also collect weekly benefits. It is important to realize that the workers’ compensation insurance is similar to other insurance companies with their payouts. They will attempt to eliminate as many of your benefits as they can, so you need to know your rights. To find out more about your workers’ compensation rights, contact a lawyer who specializes in workers’ compensation cases for an evaluation of your claim.
Article Source: http://www.new.citynewslive.com
If you are facing complex legal issues, the advice of a workers' compensation attorney, personal injury lawyer, or wrongful death lawyer is critical. An experienced lawyer can evaluate your case and help you determine the best way to proceed with legal action.
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