WEDNESDAY, OCTOBER 28, 2020
One of the many coverages available under workers compensation is compensation for disabilities an employee may suffer a disability as a result of a work-related injury.
There are some rules and exceptions when it comes to disability benefits under workers compensation, however. In general, workers compensation will not cover pre-existing conditions and disabilities. The only time a pre-existing disability may be covered is if your job directly worsens your condition. For example, say you’ve had back surgery, which limits your mobility. Your job does not require physical effort. Instead, your back grows worse over time, requiring you to have another surgery. Since this disability cannot be linked to your job, it will not be covered under workers compensation insurance.
On the other hand, say that you have carpal tunnel and your job requires you to do continuous, repetitive motions, such as typing for eight hours a day. The repetitive nature of your job worsens your carpal tunnel, leading you to need medication and light surgery. This may be covered under workers compensation since the worsening disability is directly related to your work.
What Type of Disabilities are Covered Under Workers Compensation?
Under workers compensation, there are four main types of disabilities:
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Partial temporary disability
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Total temporary disability
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Partial permanent disability
The rank of your disability is rated on a percentage of severity as judged by the insurance company. A partial temporary disability could be a broken leg, where you are unable to use that leg until it is healed. A total permanent disability could be permanent paralysis from the neck down.
How workers compensation works depends on the severity of your disability. For immediate medical bills, payment is received as the expenses occur. Other expense compensation may work differently, however. In extreme cases, disability benefits may be paid to the employee for as long as they live.
Another part of disability benefits includes wage replacement. If the employee is no longer able to work due to their work-related injury, workers compensation can help pay a portion of the employee’s original income. This benefit is paid as a fixed amount at the same time as the employee’s paycheck would be. For example, if an employee was normally paid biweekly, they will receive this workers compensation benefit biweekly.
Disability benefits under workers compensation can also cover vocational training. If a disability renders the employee unable to work in their field, this coverage can help with the cost of training in a different industry.
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