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What Does Workers’ Compensation Cover?

By February 28, 2021 No Comments

If you’ve been injured on the job, you might have heard of workers’ compensation but are unclear on what it covers in detail. Workers’ compensation is a state-run program that supports injured workers, and every state does it differently. This post outlines some of the basic things to know about the benefits program.

The Five Main Areas of State Workers’ Compensation Coverage

  • Medical expenses: If an employee sustains an immediate or long-term injury, workers’ comp will cover their medical treatment and expenses.
  • Lost wages: If you get hurt and can’t return to work right away, workers’ comp will pay your lost wages (up to a certain amount) for the duration of your time away.
  • Ongoing care: This mainly applies to repetitive stress injuries and care related to a lasting injury. Services covered under this category would include chiropractic, physical therapy, massage therapy, etc.
  • Death benefits: If you suffer a life-ending injury, workers’ comp will pay a certain amount of benefits to your family or appointed survivors to help with funeral costs and other expenses.
  • Disability benefits: You may be able to receive benefits related to a disability suffered while on the job. It’s worth noting that there are additional considerations if you plan on applying for Social Security Disability Insurance (SSDI) as well.

Can You Receive Workers’ Compensation Benefits for COVID-19 in Alabama?

In short, it’s not yet clear how courts nationally will rule on the pandemic and illnesses suffered as a result of job-related exposure. Those in the medical field or those who have been deemed an “essential” worker may have more of an argument to make, but Alabama has not yet joined the national movement to make it easier for those potentially infected on the job to file.

Workers’ Compensation Requirements

Beyond standard personal information, you’ll have to offer detailed documentation of the incident for which you’re trying to receive benefits. You’ll also need to consider any reason that the incident could be questioned or disputed, along with any witnesses who can back up your claim.

 

Suppose you’ve been injured in a workplace incident and the employer is refusing to pay full workers’ compensation benefits. In that case, you may have additional opportunities open to you to explore a suit to hold them responsible for your injuries. A qualified workers’ compensation law firm like Bevill & Bevill, LLC can help you understand your rights and which course of action may be best. Call (205) 221-4646 today to schedule a free consultation.