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What types of benefits are available through workers’ comp?

| May 19, 2021 | Workers' Compensation |

A good workers’ compensation policy goes a long way to helping injured employees in Southern California. Many kinds of workers’ compensation benefits get used throughout the country. However, how they are distributed and their amount vary by state.

What is included in workers’ compensation for medical coverage?

The vast majority of workers’ compensation claims are to receive medical coverage. This part of workers’ compensation covers an employee who experiences illness or injury at the job. Most workers’ compensation benefits cover round-the-clock nurse care; doctor visits; hospital stays; pharmaceutical drugs; and in some cases, medical equipment. These benefits are valid until the individual completely recovers from the work-related illness or injury. These same benefits may have restrictions, however. For example, you may only get to go to physical therapy for a maximum of 24 visits. This applies to other treatments and medications as well.

Disability benefits are included in workers’ compensation

There are four major categories of work-related disability: permanent partial, permanent total, temporary partial and temporary total. With permanent partial disabilities, this means that a worker has sustained a permanent injury that has directly resulted in a loss of income potential. Temporary total disabilities are disabilities that completely prevent an employee from working for a short amount of time. A good example of this is a worker who breaks his or her back and must not work for at least two months. This is a temporary total disability because after the person recovers, he or she can immediately go back to his or her regular duties.

What about permanent total and temporary partial disabilities?

For permanent total disabilities, people cannot earn any income in the fields in which they worked after sustaining permanent injuries. Temporary partial disabilities indicate that a worker has sustained a short-term injury. This may mean that the employee can only work part-time until he or she regains his or her strength.

Workers’ comp benefits come in many forms. With careful research and the help of an attorney, you can ensure that you receive the full amount of benefits for which you are eligible.