An accident that you incur at work might prevent you from achieving your dreams. This can be very frustrating, especially if you have a family to feed and bills to pay. Luckily, you can qualify for workers' compensation if this happens. These payments will enable you to live a better life while you're recovering. There are several benefits you can apply for. Here are three common ones:
1. Medical Coverage
Medical needs can be expensive. Depending on your injury, you may need money to pay nursing care, medication, hospitalization and disability costs. You may also need to purchase equipment like walkers or wheelchairs to quicken your recovery.
An insurance agent will help you determine the total medical coverage you're eligible for. While at it, they will take any long-term care, including physical therapy, vision care, and dental coverage, into consideration. If you need to travel for treatment, workers' compensation can cover that too. The types and level of coverage will depend on the plan you choose.
2. Death Coverage
When an employee passes away because of a job-related injury, the deceased's family qualifies for a settlement. This amount will depend on the deceased's salary, the length of time they worked for the company, and dependents.
An agent will help you know what you're eligible for. They will also help you understand your state's regulations regarding these benefits. This way, you'll be able to determine if you qualify for the full amount. If a legal battle arises because the state does not support the relationship between the deceased and the dependent, the agent will tell you what to do. Additionally, they will help you understand the financial implications of your injury and illness.
3. Temporary Disability Coverage
You can qualify for different cash settlements depending on the severity and duration of your injury. There are two types of temporary disability settlements: partial disability and total disability. Each type is designed to help you pay for rehabilitation and medical costs. Depending on your situation, you may be eligible for one or both types of benefits. You should always seek the advice of an agent before receiving any compensation to ensure the correct procedures are followed. When submitting your claim, your agent will ensure that you provide all the required documents and information about your injury.
The workers' compensation program is designed to assist you and your dependents and help you during your recovery process. Working with an agent will ensure you receive the benefits due to you and financial assistance for medical or rehabilitation expenses. Contact an agent if you are in need of workers compensation insurance.