Workers’ Compensation: Immediate Financial Benefit to Injured Workers

Workers’ Compensation is like an insurance program that provides financial benefits to workers who get injured on the job or who develop a work-related illness. Benefits include cash payments, to partially replace lost wages, and medical treatment. In case of temporary total disability (TTD) benefits will be paid while the worker recuperates (payment of benefits begins on the fourth day of absence from work and continues until the worker returns to work or is medically recovered enough to return to similar work). A worker may also be entitled to receive permanent disability benefits and, in case of death, the worker’s dependents shall receive survivor benefits.

Before workers’ compensation laws were enacted (it was only in 1949 when all states had enacted a Workers’ Compensation program), the only legal means for an injured worker to receive compensation for a work-related injury was to file a civil or tort suit against his or her employer and prove that the cause the injury was the employer’s negligence. Under the tort system, however, workers usually lost suits so that they were denied recovering damages; those who did recover damages, on the other hand, often experienced delays.

Ultimately, a law was passed which would ensure that a worker who sustained an occupational injury or who developed an illness in the course of employment, would be entitled to immediately receive compensation, regardless of who was at fault for the injury or illness. Workers who accepted compensation that was offered through the Workers’ Compensation program gave up the right to sue their employer.

Workers’ Compensation programs, also known as Workman’s Compensation Insurance or Employers’ Liability Insurance, are enforced and controlled by the states. These programs vary among states in terms of who may be allowed to provide insurance, the types of injuries or illnesses that may be considered compensable, and the benefits qualified claimants can receive. With regard to what injuries and illnesses may be considered compensable, the Lamarca Law Group, P.C., says that injuries and illnesses, especially those that can permanently affect one’s ability to continue working or complete normal day-to-day tasks are definitely deserving of the Workers’ Comp benefits.

The Minnesota Workers’ Compensation lawyers at Robert Wilson & Associates, however, says that Workers’ Compensation companies are not always eager to fulfill their promises or issue the amount of compensation the worker may deserve. Some of these companies even deny coverage and payouts to deserving victims.

It is needless to point out just how important Workers’ Comp benefits are to an injured worker. It would be to a worker’s advantage, therefore, if he or she were to seek help form a highly-skilled workers’ compensation lawyer in the event of a job-related injury or illness.

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