Workers Compensation Insurance – Medical Care Explained

If you own a company with at least one employee, you are required to carry worker’s

compensation insurance. This type of insurance provides protection to your employees

should they become ill or injured on the job due to an occupational illness or injury

that occurred while performing work-related tasks. Worker’s compensation insurance

covers a variety of benefits to your employee, including vocational rehab, wage

loss, temporary or permanent disability, and medical care. Medical care under worker’s

compensation is essential for an employee with a work-related injury or illness

as it helps pay for diagnosis and treatment.



Benefits for the Employee



As part of workers compensation insurance, a variety of medical care benefits are

available to employees that get injured on the job or obtain an occupational illness.

However, the injury or illness must be due to the tasks performed at work, which

led to the injury or illness; some employees — depending on their occupation —

are at a higher risk of suffering a work-related injury than others. For instance,

a warehouse worker that packages different types of chemicals is at risk of incurring

an illness from accidentally coming into contact with some of these toxic chemicals.

If this occurs, the employee will be covered by worker’s compensation insurance

and receive the medical care they need. An office worker that is injured on the

job, such as developing wrist or shoulder pain, is typically able to get treatment

for the injury from worker’s compensation insurance. Employees sustaining illnesses

or injuries on the job have access to medical care through their company’s worker’s

compensation plan.



What Worker’s Compensation Insurance Covers



Worker’s compensation will cover various aspects of medical care for the illness

or injury suffered on the job, which is considered reasonable according to the severity

of the injury. This includes the initial check-up and diagnosis, medications, doctor

visits, examinations and labs, x-rays, hospital stays, medical treatments, physical

therapy, and some additional medical care services if it pertains to the work-related

illness or injury such as chiropractic care, restoration services, or dental care.

The amount of care needed depends largely on the severity of the injury, which varies

from simple treatment to surgery for a serious injury in some cases. Medical care

received through the worker’s compensation benefits does not affect the employee’s

additional medical insurance benefits. It will also cover lost wages. These indemnity

payments are tax free and are equal to 66 and 2/3% of the State average weekly wage.



How Worker’s Compensation Insurance Works



Once an employee becomes ill or sustains an injury at work, she should report the

injury to her employer right away, who will then arrange medical care with a worker’s

compensation-approved physician in order to get treatment over the next 30 days.

After that 30 days is up, the employee has the option of seeing their own physician,

but continuing to benefit from the worker’s compensation medical care benefits if

further medical services or treatments are required. During the time the employee

received medical care from worker’s compensation insurance, they do not need to

use their other medical insurance policies and therefore and receiving free medical

care until their work-related injury or illness has been treated successfully.



Worker’s compensation insurance is a broad type of insurance plan with a wide range

of benefits to the employee, and is essential for every employer to carry. Accidents

happen and illnesses are the unfortunate aspect of some types of jobs; for this

reason, worker’s compensation insurance exists to help pay for medical care and

lost wages for the employee.