Costs Covered By Workers’ Compensation Insurance

Getting up and going to work daily is something most American adults are quite familiar with. One of the
main things you need to be aware of as an American worker is just how common workplace accidents
are. On average, an American worker is injured on the job every seven seconds.

Filing an accident report with your employer should be your top concern after being injured on the job.
The workers’ compensation policy your employer has will pay for a number of things while you recover
from your injuries. Here are some things you need to know about the costs covered by workers’
compensation insurance.

Workers’ Compensation Insurance Covers Your Medical Bills

When workplace accidents occur, an employee can experience very serious injuries. These injuries will
have to be treated by competent medical professionals. The cost of receiving medical care is extremely
high in the United States, especially if an individual doesn’t have a health insurance policy. If your
employer has a workers’ compensation insurance, the medical bills you incur as a result of your
workplace accident will be covered.

Not only will you receive compensation for your medical bills, you will also get paid a flat rate for the
mileage you put on your vehicle when going to and from your medical treatments. The current rate paid
for this mileage is around $0.58 per mile. You will need to keep detailed and accurate records to ensure
you get the mileage compensation you deserve.

The Cost of Ongoing Care

If the workplace accident you were involved in causes serious injuries, you might have to receive
ongoing treatment. This treatment will generally come in the form of physical therapy. Paying for this
ongoing treatment out of pocket can be extremely expensive. Luckily, workers’ compensation insurance
policies are designed to cover the cost of this ongoing treatment.

Common conditions like back problems, traumatic brain injuries and exposure to harmful chemicals can
take a long time to treat. If you are getting pushback from your employee regarding payment for your
ongoing care, then you need a lawyer on your side. With the help of Jay Foster Law, you can get the help
you need to receive the workers’ compensation benefits you’re entitled to.

Avoid The Financial Strain of Missing Work

Sustaining serious injuries while on the job can put you on the sidelines for quite a while. If you miss a
paycheck or to, chances are your personal finances will be put into a tailspin. Workers’ compensation
policies provide hurt employees with wage loss payments.

Typically, these payments are around two-thirds of the employee’s average weekly wage. Having a
paycheck coming in when you are recovering from your injuries can help you keep your bills paid.
As you can see, there are several things covered by workers’ compensation insurance. If you need more
information about your rights after being injured on the job, it is time to schedule a consultation with
Jay Foster Law.