Injured employees can file a claim for workers’ compensation if they are harmed in the course of their employment. The system is designed to cover the medical expenses and time off work of an injured worker. In some cases, it covers permanent injuries or death. If an employee is killed on the job, workers compensation can provide a funeral benefit. The system has many complexities and is governed by state laws. There are many different kinds of benefits, including the right to receive partial medical care and income protection.
Wage replacement benefits are a type of benefit provided by workers’ compensation, and are tax-free. However, these benefits only apply to workers who have been out of work for a certain amount of time. Depending on the injury, the injured employee may need to take a few days off of work to recover, and may then need to return to light or full duty. Depending on the severity of the injury, workers’ compensation can help pay for the medical costs that are related to the job.
If an injured worker is unable to return to work as a result of a work-related injury, the compensation company will pay a portion of his or her wages until he or she is able to return to work. The compensation company may also provide medical treatment to the worker if necessary. For example, a construction worker may file a claim for workers’ compensation for a fall from scaffolding, or he or she may be injured while driving to the job site.