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What expenses does workers’ compensation insurance cover?

There is never a good time to suffer a workplace injury. If this happens, it may mean that you are unable to work for an extended period of time. In this case, you need to turn your attention to workers’ compensation.

There is no guarantee that you will qualify to receive workers’ compensation benefits, but you absolutely need to learn more about your legal rights. If you don’t, there is a good chance that you won’t receive the money you should during this difficult time in your life.

What does it cover?

While many people are familiar with the basics of workers’ compensation and how the system works, most don’t have a solid grasp of the types of expenses that the insurance covers. Consider the following:

  • Replacement income
  • Medical care as the result of an illness or injury
  • Costs associated with retraining, such as for a new job
  • Benefits to survivors in the event that a person is killed on the job
  • Compensation for any permanent injuries

Keep in mind that workers’ compensation benefits will not replace your entire salary, however, you need to remember that any money you receive is better than none at all. These payments may be enough for you to get by until you are able to once again support yourself.

Since there are so many questions associated with workers’ compensation insurance, including whether or not you are able to receive benefits, it’s not uncommon for a person to make mistakes. In fact, some people neglect to apply for benefits at all, assuming they are ineligible.

If you have any questions or concerns, don’t hesitate to consult with a workers’ compensation attorney. For instance, this person may be able to help if your claim was denied. Rather than search for other forms of compensation, you should fight for your rights. You will need to file an appeal, but this is better than missing out altogether.

If you suffer a workplace injury, don’t wait to receive medical care and report the accident to your employer. From there, you have a small window for filing a claim for workers’ compensation benefits. As long as you work in a fast and efficient manner, you’ll feel better about the future.

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