Why Workers’ Compensation Insurance Is Necessary

Work Accident Lawyer

Workers’ compensation insurance is necessary because it helps provide benefits to employees who become injured or ill for work-related reasons. It can also offer payments to an employee’s beneficiaries if the employee dies because of a work-related accident or illness. This coverage is usually mutually beneficial for both employees and employers. Without workers’ compensation insurance, workers might have to pay their own medical bills out-of-pocket for work-related injuries or illnesses. They may also have financial difficulties if they are unable to work because of these injuries or illnesses.

The workers’ compensation system ensures that an employee who suffers from work-related health issues can make a claim against an employer to help pay for damages and losses. This program allows employers and employees to avoid having to spend a lot of time, energy, and money working to settle the claims. When you’re navigating a workers’ compensation situation, an attorney may help you find your way through to a favorable outcome.

What does workers’ compensation insurance typically cover?

Workers’ compensation insurance covers various benefits for an employee who is injured, becomes ill, or dies as the result of a work-related illness or accident. These include:

  • Medical expenses: Workers’ comp coverage can provide funds for medical costs related to a work-related injury or illness. This may involve paying for expenses such as surgeries, emergency room visits, and prescriptions.
  • Lost wages: Workers’ comp coverage can provide wages to employees who have missed work because of a work-related accident or illness.
  • Ongoing care: Workers’ comp coverage can help cover the costs of continuing care needed for a work-related injury or illness.
  • Funeral costs: As unpleasant as it is to think about, sometimes employees die because of a workplace accident. Workers’ compensation insurance can help cover funeral costs. This is often a tremendous help for a deceased worker’s loved ones.
  • Accident or Injury: Workers’ comp coverage can help cover medical expenses and lost wages if a worker is injured while on the job.
  • Illness: Certain working conditions can expose employees to harmful chemicals or allergens that can cause sickness. If a worker becomes ill due to a workplace incident or situation, workers’ comp insurance can help provide benefits for that employee.
  • Repetitive injury: Work-related injuries don’t always happen in one isolated incident. Repetitive stress injuries often take months or years to develop. Workers comp coverage can help provide benefits to employees while they receive treatment and recover from their repetitive stress injury.

  • Disability: Sadly, some work injuries are so severe that workers may not be able to return to work. Or, they may be able to return to their job but not in the same capacity they worked before their injury. Workers’ compensation insurance can provide funds to cover medical bills and lost wages for disabled employees.

Overall, workers’ compensation claims tend to be confusing and overwhelming. When you’re injured, the last thing you need is to have to go through the process on your own. Hire the services of a qualified lawyer to get the support you need.

Source: Work Accident Lawyer Baltimore, MD, Greenberg Law Offices

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