Workers’ compensation benefits refers to the money that will paid to you as compensation for the injuries that you suffered at the place of work or while engaging in activities that are related to your job. Your employer is required by law to have workers compensation insurance. This insurance cover is designed to cover you from employer or employee carelessness. This insurance protects you from most of the injuries that you can get at the workplace or when you are outside the workplace dong things that are related to your job. However, you have to keep in mind the fact that there are limits. There are many things that can prevent you from being compensated. For example, if you test positive for alcohol and drugs, it will not be possible for you to be compensated. If you injuries are self-inflicted, you will not be compensated. Workers compensation benefits are meant to cover the following expenses:
1. Medical care expenses
When you get a work related injury, the cost of medical are can be very high. The professionals at Workers Comp SD advise that the compensation that you are going to receive from the insurance company should fully cover the medical care cost. You need the best medical care to be able to get back to the state of health that you were in before. If you suffered from serious injuries, it may not be possible for things to get back to the way they were before. However, your life will be less difficult when you are getting the best medical care.
2. Replacement income
When you get injured at the workplace, you may not be able to work for a very long time. The compensation that that you are going to get should cover the income that you were supposed to earn if you were working as usual. Remember, it is not your fault that you injured. That is why you should be compensated for the days, months or years that you will not work because of the injuries you sustained.
3. Survivors of the workers killed because of their job
If a loved one was killed when doing his/her job, the family should be compensated for their loss. The compensation will help a lot to make life easier for the survivors of the worker who passed on.
4. Permanent injuries sustained
Permanent injuries can prevent you from working ever again. Your life will never be the same again if you get a permanent injury when working. The compensation will help you cater for your needs.