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Advantages of Workman’s Comp

There are various benefits enjoyed by employees under workman’s comp. One of the main benefits is medical benefits. This benefits employees after they are injured. An employee will enjoy all these benefits until he is cured. Medical cost payments are paid directly to the healthcare provider. This means the only role of the employee is to follow the doctor’s orders. The physician to offer treatment is sometimes chosen depending on the wishes of the employee. Other times the physician is normally chosen by the employer. The workman’s comp provider is the one responsible for paying medical costs, surgical fees and nursing care expenses. If there is need for rehabilitation all the costs will also be covered. This can greatly benefit an employee that suffers a serious injury. The workman’s comp also covers all the travel expenses an employee will use going to and from the medical facilities.

Indemnity benefits are other benefits offered under the workman’s comp. An injured employee may not be able to work at all. In this case the salary they will receive after the accident may be less compared to what they used to earn. In this case their lifestyle may diminish and they may end up losing their income. The extent of injuries is what determines the payment the employee will receive. For example there are those injuries that are meant to recover after a certain period of time. In this case the employee can be assigned light duties when he returns to work.

The employee enjoys benefits such as lost wages. An employee may also suffer from a permanent injury such as loss of an eye. The employee in this case will receive payment for years and years. An employee may also suffer permanent disability that means he cannot return to work. In this case the benefits will be paid for medical costs. The payments may also be made during the duration of disability. There may also be a case where the employee is expected to recover but cannot work during that time. These are those injuries that require the employee to be hospitalized. In this case all the medical bills and lost wages are paid in this case.

Death benefits are also offered under the workman’s comp. This helps in covering funeral expenses plus payments to the dependents. Death benefits are normally realized under certain conditions. For instance the death must have been caused by the work-related injury. A request for the death benefits must also be applied within a specific period of time. The dependents of the dead employee are paid according to the law. For instance if the dependents are children the payments will be made until they are 18 years. The benefits under the workman’s comp are very beneficial to employees.

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