What expenses does workers’ compensation cover?

If you're injured on the job, you need to receive immediate medical attention. At that time, there is nothing more important than your health.

Also, if possible, you shouldn't delay notifying your employer of the accident and your injuries. By doing so in a timely manner, you can help prevent a situation in which your employer claims that your injury was suffered outside of work.

Workers' compensation insurance is meant to cover a variety of expenses, including:

-- Medical care associated with the illness or injury

-- Replacement income for the time that you're unable to work

-- Costs for retraining if you're unable to return to your previous position

-- Compensation for any permanent injury

Along with the above, in the event that a person is killed on the job, his or her survivors may be able to receive benefits.

Many people believe that receiving workers' compensation benefits is cut and dry. They think all they need to do is file for benefits and wait for the money to arrive.

While there are times when it's that simple, this isn't always the case. Instead, an employer may fight back in an attempt to stop you from receiving benefits.

If your application is denied for any reason, don't hesitate to learn why this happened. From there, focus on the appeal process and how to move forward with the idea of receiving benefits in the future.

If you were injured on the job, if you know you should be receiving workers' compensation benefits, you don't want to stop until you are compensated accordingly.

Source: FindLaw, "Workers' Comp Benefits Explained," accessed Dec. 29, 2016

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