Workers’ compensation insurance protects you in case of injuries or illnesses directly caused by your job duties. Often, workers are aware of the primary benefits they can claim, but some unknown aspects can make a difference in their recovery.
In this article, we will explore these benefits so you can become acquainted with them and assert your rights as an injured worker:
Vocational Rehabilitation
In addition to financial compensation, rehabilitation programs are included to help workers regain their physical condition and reintegrate into the labor market.
Death Benefits
In the unfortunate event that a work-related injury leads to the worker’s death, the family may seek financial assistance for funeral expenses and economic compensation if they are economically dependent individuals.
Moral Damages
In some states, claims can also include moral damages, emotional suffering, and distress caused by the injury to the worker.
Travel Coverage
If the work-related injury requires travel for necessary medical treatment, the insurance may cover associated costs: transportation, accommodation, and meals so the worker can ensure required care.
Medical Expenses Reimbursement
In many cases, the care received by the injured worker is through insurance-approved doctors, but in others, they may be outside the coverage network. In such cases, reimbursement for that care, including medication, tests, treatments, and assistive devices, can be requested.
Psychological Counseling
Many times, individuals focus solely on physical injuries. Still, psychological assistance should not be overlooked in cases of traumatic experiences to help cope with stress and depression that may arise from inactivity and changes in the worker’s daily life.
Compensation for Permanent Partial Disability
If the injury is severe enough to cause permanent disability and affect the ability to work, continuous financial support can be requested.
Knowing all the benefits of workers’ compensation is an advantage when making your claim, and the best way to approach it is by having an experienced attorney. Your legal team can provide guidance and explain available options so you can make the most of the benefits and obtain the justice you deserve and need.
