Even in the most harmless workplaces, there can be potential dangers. Someone may trip and over a computer cord. A writer could develop carpal tunnel syndrome.
Accidents and injuries can happen anywhere. That is why Workers’ Compensation Insurance exists.
Workers’ Compensation Insurance (also known as “Workman’s Comp” or “Workers’ Liability Insurance”) provides coverage for the employees’ workplace injuries.
The Workers’ Compensation Insurance may cover –
- Medical treatment
- Wage replacement
- Vocational rehabilitation
- Death benefits
Coverage for medical treatment includes cost of surgeries, hospital stays, doctor visits, treatment, medications and medical equipment, such as a wheelchair or crutches.
The treatment should be reasonable, necessary, and related to the work injury in order for the insurer to cover the costs.
Wage Replacement or Disability Benefits
If an injury keeps a worker out of work, they may qualify for wage replacement benefits as the following –
- Temporary total disability if an injury prevents an employee from working for a certain amount of time
- Temporary partial disability if an employee is unable to do some of their work for a short period of time.
- Permanent total disability if an employee can’t work at the current job or similar jobs anymore.
- Permanent partial disability if the damage is permanent, but it only partially hampers an employee’s ability to work.
Vocational Rehabilitation Benefits
Workers’ Compensation Insurance benefits pay for therapeutic care like physical therapy so you can recover fully from occupational injuries or diseases. If an employee requires special training to return to work or for a different job, these benefits can cover those costs.
If an occupational injury or illness results in an employee’s death, their family or dependents can receive benefits for-
- Funeral and burial expenses
- A percentage of the deceased worker’s earnings as financial support
To learn more or to consult experienced workers’ compensation doctors in Phoenix, AZ, call Arizona Injury Medical Associates at (480) 347-0941. With experienced practitioners and friendly staff, who are experts in injured workers and personal injury victims, you will be in good hands.
Arizona Injury Medical Associates’ top physician Dr. Adarmes has been in private practice since 2001 treating a number of physiatry and internal medicine conditions. He is passionate about patient care and honing in on a diagnosis for an appropriate treatment plan.