Worker compensation is the benefit received by the employees due to injuries and illness caused within the scope of the work environment. However, the workers have to keep in mind that they will not have the eligibility to claim worker compensation for injuries caused outside the workplace. The workers, on the other hand, will be provided with additional privileges when death occurs on the job or when they are disabled. In spite of certain limitations, workers enjoy the benefits of worker compensation. There are different types of Workers Compensation Florida .
Types of worker compensation: There are different types of worker compensation available the workers must be aware of to claim the benefits offered. The prime benefit received by the employees will be the medical care when they are injured. The employees have to consult the doctor due to their injuries caused at the workplace and have to undergo treatment as prescribed by the doctor. Under such circumstances, the worker may have to visit the hospital for medical care and for surgery as well. All these medical expenses will be covered under worker compensation. Worker compensation also includes counseling, acupuncture. Investigative and experimental treatments will not be covered under worker compensation.
Disability: The worker compensation covers the wages lost by the workers while they are recovering from the injuries. The worker compensation may cover four types of disabilities. When the employees are stopped from performing a certain part of the job due to the disability is covered under temporary partial disability. On the other hand, the employees will lose the capability to work at all for a limited period of time and such illness will be covered under temporary total disability. There are also permanent total and permanent partial disabilities which are also covered under worker compensation. The amount of coverage receivable by the worker may depend on the amount of money earned before their illness or injury. Two-thirds of the wages may be received by the employees as disability coverage and they have to wait for a certain period to receive the compensation. The employees need not pay any income tax on the income earned.
Rehabilitation: Under special circumstances employees may require physical therapy to recover. Such therapies are covered under worker compensation. When the workers require certain abilities or skills to perform the job are also taken care of under these compensation packages. Workers sometimes may not be able to return to the former job due to their injuries can utilize the rehab package to get retrained. The compensation may also pay for tuition, evaluation and other expenses required to train the employees for different position apart from the previous job they are performing.
Death: There are circumstances which may worsen the situation which may lead to the death of the employees at the workplace. Under such situations compensation plan cover the financial contribution to the dependents. The compensation is paid to parent, child, spouse, or siblings. A certain percentage of the total earnings are paid as compensation. Funeral and burial expenses of the employees after death are also covered in the worker compensation.
The compensation offered may differ from state to state and the workers have to check the company benefits to know the details of the type of worker compensation they are eligible for. The employees can also contact human resources team for more information.