What is Included in Worker’s Comp Coverage?

Getting injured is always unfortunate, especially when it happens at work. Depending on the severity of your injury, you may not be able to resume normal work activities. This impacts your ability to provide for yourself and your family. While many employers will work with you to ensure you receive the worker’s comp coverage you deserve, there are those who are hesitant. That is where HK&R come in.

Worker’s Comp coverage will assist all workers who suffer an injury or illness on the job, covering a few areas you should know about if you think you qualify. 

Reimbursement for Medical Costs 

If you have been approved, you should not be paying any bill that related to your claim. This includes medical treatment such as doctors’ visits, prescription medication, medical devices and physical therapy. 

Lost Wages

Worker’s compensation will also help replace the wages you’ve lost as a result of not being able to return to work following your work-related injury. That said, these benefits will only cover two-thirds of your weekly wage up to a certain amount.

The severity of your disability will inform the amount of compensation you receive. For an example, if you’re permanently disabled you may be entitled to payments for life. 

Permanent Disability 

Once a doctor has determined that you have received sufficient medical treatment and there isn’t room for improvement, they’ll assess whether you are permanently disabled as a result of your work-related injury. If this is their conclusion, you will continue to receive benefits as long as your disability continues, which could be lifelong.

Dealing with the emotional and physical toll of your injury are enough without factoring in the financial burden. The attorneys at Hosmer, King & Royce want to make the process of receiving your worker’s comp benefits as smooth as possible.

We ask that you collect as much documentation as possible to support your claim so we can begin the process of getting you what you deserve. For more information about your worker’s compensation benefits, call 417-869-9999 to schedule a consultation.