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Types of Workmans Comp Coverage

Deanie Canales
 


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Workman’s comp benefits often include medical care, rehab expenses and disability to compensate for lost wages. An employee who has acquired a work related injury may receive benefits through their employer's workers’ compensation insurance assuming the injury fits the right criteria and the employer’s coverage is with a respectable carrier. In unfortunate circumstances when an employee gets killed on the job, their dependent family members will receive death benefits through workers’ compensation.

Let us take a look at each of the types of workman’s comp benefits that are common even in a low cost business owner’s policy. Note that every state or nation can have their own take on the rules, requirements and other specifics that govern it.

Medical Care

Medical benefits from workman’s comp will include bills and other medical expenses to identify or treat a certain injury or illness. The details on what should be covered will vary from one place to another but generally covers doctor visits, medications, and medical procedures. It may also include special medical equipment, counseling, therapy, and even alternative therapies like acupuncture.

Most acceptable medical practices will be covered by workman’s comp provided the treatments are for the work related injury. Many alternative forms of therapy struggle to be recognized by insurers as effective. Therefore, those who wish to go through investigative or experimental therapies can have some trouble getting the workers comp coverage to approve for those treatments.

Rehabilitation

If an employee requires physical therapy after suffering from an injury, their rehabilitation benefits will cover the expenses. In many cases they must use an approved occupational health center within the insurer’s network. They will also pay for any rehab care and training needed to help the employee regain their skills and abilities necessary to return to work.

If, however, the employee is unable to return to their former job after the injury, their rehabilitation benefits might cover an evaluation, retraining, educational assistance and possibly other expenses to help qualify the employee to work at a different job within the organization.

Disability

Disability benefits will compensate an employee for any wages lost while being treated for an injury or illness. Disabilities are divided into four categories, depending on whether they are:

1. Permanent or

2. Temporary

3. Total or

4. Partial

The amount of money that an employee will receive will be based on their income prior to the accident or illness. Usually, they will receive two-thirds of their normal wage. However, most states requires than an employee wait for a certain period of time before they can collect their disability benefits.

Death

Death benefits are provided to those who are related to the deceased employee like the spouse, children, parent or sibling, especially if there were financially dependent on the employee. Apart from funeral and burial expenses, they may also receive compensation for the loss of financial support. This will be based on the employee wages at the time the injury occurred.

So when you are looking for a low cost business owners policy in Delaware County , it is wise to compare Penn National insurance to your alternatives and ask your agent about the workmans comp coverage in Montgomery County if you are based in that area. Many contractors are required to carry surety bonds in Philadelphia to cover for unexpected costs not normally covered, especially if they are working on a high value home with insurance in Warrington that is limited in medical coverage’s.

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