Which expenses does workers’ compensation cover?

If you've been injured on the job, it's important to understand your rights as an employee. This means many things, including the fact that you may be able to make a workers' compensation claim.

Although there is no guarantee that you're eligible for workers' compensation benefits, if you find that you are, here are the expenses that are typically covered:

-- Medical care resulting from your injury or illness.

-- Costs associated with retraining.

-- Replacement income.

-- Compensation associated with any type of permanent injury.

-- Benefits paid to a survivor if the worker was killed in an on the job accident.

While employees are typically covered by workers' compensation insurance, as long as the accident happened on the job, other types of workers are often excluded from coverage. Some of these groups include:

-- Volunteers

-- Independent contractors

-- Farmers

-- Railroad employees

-- Casual workers

Also, it's worth noting that your employer is not permitted to terminate your employment for filing a workers' compensation claim. Furthermore, the company cannot tell you that you are not allowed to file for benefits.

If you've been injured on the job, it's a must that you report it to your employer right away. Along with this, don't wait to receive medical treatment. From there, you can learn more about filing a claim for workers' compensation benefits.

If for any reason your claim is denied, maybe because your employer states that you did not suffer the injury on the job, it is time to learn more about filing an appeal. This isn't something you want to do, but it's important to fight for the benefits you deserve.

Source: FindLaw, "Workers' Comp Benefits Explained," accessed Nov. 16, 2016

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