4 Types of Workers Compensation Benefits

June 4, 2021
Workers' Comp Our Pharmacy Network

As more and more people start to go back out to work the work landscape will be populated by people who haven’t been in an office, warehouse, construction site in over a year. There are bound to be some hiccups as we dust off the rust and get back into the swing of things. inevitably there may be accidents and injuries on the job and there may be some confusion if you file a workers’ comp claim and are waiting on your benefits. The fact is most employees may not be aware of just how many different types of workers’ comp befits exist, a what is the difference between a benefit and a claim.  Let’s take a look at 4 types of workers’ comp benefits in Florida’

Types of Workers’ Compensation Benefits

Workers’ compensation insurance gives your employees benefits if they get a work-related injury or illness. This type of insurance is required in most states, and employers are responsible for buying and providing it to their employees.
Workers’ compensation insurance benefits usually help employees by covering:
  • Medical treatments
  • Disability benefits
  • Vocational rehabilitation
  • Death and funeral services

Medical Treatment

If you are injured on the job, then you can file a claim for workers’ compensation to help pay for your medical treatment. This can include payments for things like:

  • Hospital visits and stay
  • Doctors visits
  • Recovery treatment
  • Rehabilitation and physiotherapy

Extended treatment may be needed depending on the severity of the injury. Long term care is usually covered by workers’ comp but some alternative care methods may not be covered such as:

  • Homeopathic medicine
  • Acupuncture
  • Naturopathic remedies

If an injury or illness leads to another injury, then workers’ comp may also assist with providing payment for the treatment of that sickness or injury. For example, if a shelf falls on a worker’s foot and breaks it, which then leads to him limping and eventual back pain, workers’ comp can help cover the treatment of his back.

Disability

Oftentimes a workplace injury can be serious enough to lead to disability. Work-related disability can be put into 4 categories:

  1. Temporary total disability – This occurs when an injured employee is completely unable to work for a certain amount of time, but will return to work at full capacity.
  2. Temporary partial disability – This means that an employee can work in a reduced capacity without needing time off. For example, an employee who slips in the office and breaks  his leg but is able to style type and work in a limited capacity and or for a limited time
  3. Permanent total disability – This leaves the employee unable to work in any capacity, and they will never be able to return to their previous role.
  4. Permanent partial disability – This means your employee can return to work, but they will never work at the same capacity as they did before the injury.

Workers’ comp will assist with lost income for staff who are unable to work due to an injury sustained on the job. If an employee has a permanent disability, workers’ comp can give them disability benefits for life. This benefit is different in each state, so make sure you know how disability payments work in yours.

Rehabilitation Benefits

Your injury may entitle you to rehabilitation benefits, but those are twofold. Some injured workers require physical rehabilitation for their injury. You may need physical therapy to improve your range of motion or strengthen your muscles.

However, rehabilitation benefits include vocational rehab, as well. The nature of your injury may prevent you from resuming the exact duties you did before. At that point, the workers’ compensation system in your state may provide vocational rehabilitation benefits such as retraining, tuition or tuition reimbursement if you want to return to school, an evaluation to determine what you can do, and other resources that can help you to return to work in a different space.

Death and Funeral Services Benefits

Unfortunately, workplace injuries sometimes cause death. In the event an employee loses their life because of a work-related injury or illness, workers’ comp can provide benefits to their family and beneficiaries. These benefits can help them cover funeral expenses and lost income. Most coverage plans have a limit for these expenses, which varies by state. Your insurance company can deny expenses if they find they’re extravagant or unnecessary.
In most cases, workers’ compensation benefits go to immediate family members or dependents living with your deceased employee, like their:
  • Spouse
  • Children
  • Parents

Best Workers Comp Pharmacy in South Florida

Each injury is unique and so is the recovery process. The type of workers’ compensation benefit you receive will largely depend on the scope of your injury. Your doctor will examine you and come up with a course of action that may include medication. If prescription medicine is part of your treatment then look to Our Pharmacy Network to provide the gest workers’ comp prescription medication service in South Florida.  If you need more answers concerning Florida workers’ compensation that weren’t provided to you here, feel free to call us today at  844.238.9313 or visit our contact page.

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