Workers’ compensation is a form of insurance that provides benefits to employees who are injured or become ill while performing their job duties. It is designed to help injured workers by providing financial assistance and medical care while they recover from their injuries. Kentucky workers that suffer health issues due to their jobs can take advantage of the protections workers’ comp provides.
Medical care
Workers’ compensation provides coverage for medical expenses related to a work-related injury or illness. This can include doctor visits, hospital stays, prescription medications and rehabilitation services. Workers’ comp also covers the cost of medical equipment and devices, such as crutches or wheelchairs.
Wage replacement
If an employee is unable to work due to a work-related injury or illness, workers’ compensation provides wage replacement benefits. The amount of the benefits is typically a percentage of the employee’s average weekly wage, and can vary by state. These benefits are designed to help injured workers cover expenses while they can’t work.
Disability benefits
In addition to wage replacement benefits, workers’ comp may provide disability benefits to injured workers. The amount and duration of these benefits depend on the nature and severity of the injury, and can also vary by state. Disability benefits may be temporary or permanent and can be paid weekly or monthly.
Vocational rehabilitation
Workers’ comp may provide vocational rehabilitation services to help injured workers return to work. This often includes job training, education and counseling to help workers develop new skills and find suitable employment that accommodates their injury or illness.
Death benefits
Workers’ compensation provides death benefits to their surviving spouse and dependents if an employee dies due to a work-related injury or illness. These benefits can help cover funeral expenses and provide ongoing financial support to the family.
Providing a valuable safety net for workers
Workers’ compensation offers a range of benefits to employees who are injured or become ill while performing their job duties. It is a vital safety net for workers, providing them with financial assistance and medical care when needed. Employers must comply with workers’ comp laws and provide a safe work environment.