If You Read One Article About Policies, Read This One
There are various benefits enjoyed by employees under workman’s comp. A major benefit under workman’s comp is medical benefits. This applies the moment an employee is injured during working hours. The payments are normally made until that point where the employee is cured. The healthcare provider is the one who directly receives these payments. In this case the employee will have ample time to heal. The physician to offer treatment is sometimes chosen depending on the wishes of the employee. In other cases the physician will be picked by the employer. The workman’s comp provider is the one responsible for paying medical costs, surgical fees and nursing care expenses. If there is need for rehabilitation all the costs will also be covered. When an employee suffers a serious injury this might be very beneficial. The workman’s comp also ensures that travel expenses to and from medical facilities are covered.
Another benefit offered under the workman’s comp is indemnity benefits. An injured employee may not be able to work at all. In this case the salary they will receive after the accident may be less compared to what they used to earn. The employee may end up losing his income in this case and their lifestyle may diminish too. The extent of injuries is what determines the payment the employee will receive. For instance there are injuries that will recover after a short period of time. In this case the employee can return to work and be assigned light duties.
The employee enjoys benefits such as lost wages. An employee may suffer permanent injury during the accident. The employee in this case will receive payment for years and years. An employee cannot return to work if he suffers permanent disability. Medical costs will also be covered in this case. In this case the payments may be extended to the duration of the disability. This may also apply in a case where the employee is expected to recover but cannot work during that time. These are kind of injuries that require bed rest or hospitalization. The workman’s comp pays all the medical bills and lost wages in this case.
Death benefits are also offered under the workman’s comp. Death benefits ensures that the funeral costs and dependents needs are all covered. Death benefits are normally realized under certain conditions. For instance the injury that caused the death should be work related. You should also ensure that the request for the death benefits is made within a specific period of time. In this case the dependents are paid according to the law. For instance the children’s payments are made until they are of legal age. The benefits under the workman’s comp are very beneficial to employees.