It can be reassuring to know that if you ever are injured while working, workers’ compensation will cover the related expenses. However, many workers never think about how workers’ comp functions. It is important to know what is covered and what is not covered, so if you ever need to take advantage of it, you already know the ins and outs. A common question is whether workers’ comp covers wages lost due to the injury. Learn everything you should know about this special type of coverage.
Coverage for Lost Wages
The specific way each worker’s compensation plan works varies from state to state. This means it is important for you to do your own research on how it works in your specific state. Keep in mind that you need to look into the rules and regulations for the state you work in, which may be different than the state you live in. It is almost always the case the workers’ comp covers any lost wages due to the injury. This means if you are unable to do your job because of the injury, you can receive what you otherwise would have earned until you are able to return to work. In addition to lost wages, workers’ comp also pays for:
- Medical bills
- Purchases related to the injury
- Lost future earning ability
While it is almost universal for workers’ compensation to cover lost wages, it is not guaranteed that you will receive 100 percent of your wages. Many states reimburse injured workers 66 percent of their average weekly wages. This is another aspect you should research for your specific state. Finally, it may also be possible for you to receive compensation if your ability to find and complete work is permanently impaired.
Qualifying for Workers’ Comp
It is also important to understand whether or not you qualify for workers’ comp. Simply being injured does not automatically qualify you. To receive reimbursement, you need to be working when the injury occurs, and doing something required for your job. For example, if you are in an accident when driving from one side of your work site to another, you would probably not be covered. On the other hand, if you are paid to deliver packages and you are in an accident while making deliveries, workers’ comp would apply. If you are ever unsure of your workers’ compensation right, or you are worried you are not receiving what you are due, it is a good idea to speak with an injury attorney.