What Workers Compensation Pays For

When an employee suffers an injury in the workplace, it can have devastating consequences, both in the short and long term. The injury may require the worker to seek costly medical care, they may be required to spend a significant amount of time away from work while they recover, and if it is sufficiently severe, the worker may have to cope with the effects of their injury for the rest of their life. Fortunately, most workers are guaranteed workers compensation benefits in these types of situations.

Workers compensation benefits are critical to ensuring that injured workers dont have to suffer financial disaster along with the consequences of their injury. However, they do not pay for every cost which may occur as a result of an injury. Therefore, it is important to know what types of benefits workers compensation can provide in order to be able to properly plan for this type of situation.

Types of Workers Compensation Benefits

Workers compensation benefits may vary somewhat in the types of compensation that they provide to workers, depending on the nature of the injury and the specific plan. In general, however, workers compensation benefits tend to provide financial assistance for the following costs:

  • Medical care required to treat the workplace injury
  • Partial income replacement for workers who miss time from work
  • Retraining or job replacement programs for workers whose injuries prevent them from returning to their previous occupational capacity

These benefits can significantly reduce the burden that a workplace injury can place on a worker and their family. However, in some cases, it may be difficult to actually receive these benefits. Therefore, workers whose claim for workers compensation benefits have been denied should consider contacting a Des Moines workers’ compensation attorney to learn more about what they can do to get the compensation they need.