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3 common questions about workers' compensation

You always worked in a field that had potential hazards, but you never thought you'd be the person to get hurt. That all changed when you went to a new work site last week. Someone there didn't put together the scaffolding correctly, and you fell. You hurt your neck and back, and now you have injuries that require medical care.

You know that you have a right to workers' compensation, because you got hurt on the job. Can you seek medical attention after you get home from work? Do you need to go right away? Here are some common questions and answers you may be asking yourself.

1. Does workers' compensation cover immediate illnesses and injuries?

Yes. Workers' compensation is designed to pay for injuries that take place on the job as soon as you need treatment. Whether that includes heading to the hospital for care in an ambulance or driving there after work, your visit to see a doctor is covered.

2. What happens if you need ongoing medical care after an injury at work?

If you need ongoing care, workers' compensation continues to help you. Even if you end up never being able to return to work because of your injury, workers' compensation is there to cover the costs of your care. Things like rehabilitation related to the injury, surgery and other treatments are covered through these policies.

3. My loved one died on the job. Is there anything workers' compensation can do for me?

Yes. Workers' compensation doesn't just help those who get injured on the job, it also provides benefits to family members who survive the death of a loved one. Funeral costs are covered by workers' compensation, so you have a chance to grieve without having to worry about the expense of a funeral. Death benefits may also be provided. These include things like support payments, which help you family focus on recovering instead of worrying about money.

After an accident that leaves you with injuries or an accident that causes the death of a loved one, workers' compensation can help relieve some of the stress. It takes care of the medical bills and even replaces some lost wages. If you face a denial for workers' compensation, your attorney can help. It may be that you need to appeal the denial with more information about your injuries. You deserve to receive compensation for the injuries you've suffered.

Source: Nov. 30, -0001

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