The majority of the population work nine to five jobs, which means that people spend most of their day at work for 40 or more hours a week. That leaves more room for risky situations to go out of hand, whether it results in injury or the development of a medical disease due to workplace exposures.
When disaster strikes, some employees are left not only with pain but also anxiety wondering how they will cover the costs. It’s no secret that medical care can be expensive. When it comes to work-related injuries and illnesses, however, you shouldn’t have to worry about the prices of urgent care.
It’s a grim reality as millions of workers suffer from injuries on the job every year. Fortunately, most accidents can be covered by the workers’ compensation insurance.
What is Workers Compensation Insurance?
By definition, the law requires a workers’ compensation insurance in various industries to provide medical and wage benefits to employees who develop injuries or illnesses at work.
While the coverage varies depending on the state, it aims to assist in medical expenses, rehabilitation costs, lost wages, and even compensate families for employees who are killed on the job.
It also determines the amount of coverage depending on the business and the penalties involved if a company refuses to comply with the laws. Workers’ compensation insurance is divided into the following:
Temporary Total Disability Benefits (TTD)
TTD provides compensation to employees during their time of recovery. However, you’re only eligible to file a claim if employees who must undergo treatment or a recuperating period that will keep them out of work for a certain number of days. The coverage continues until the company fulfills the maximum benefits allotted by the state and until the employee returns to work.
Temporary Partial Disability Benefits (TPD)
TPD is given to workers who can immediately return to work with a lighter set of responsibilities during their recovery period. The benefits end once the employee returns on the job full-time or when the company reaches the maximum number of weeks set by the state.
Permanent Partial Disability Benefits (PPD)
This benefit caters to employees who experience severe conditions or permanent impairment as a result of a workplace incident. A loss of a limb, for instance, gives employees the right to receive wages until they reach the set medical improvement approved by the state. You can also file for PPD even if you are reaping the benefits of other types of workers’ comp insurance.
Permanent Total Disability Benefits (PTD)
PTD is given to employees who suffer from permanent impairment and can no longer continue to work as a result. Keep in mind that companies can reduce the amount of coverage of benefits if the victims qualify for Social Security Disability Insurance.
How Workers’ Compensation Help in Your Healthcare
A workers’ comp is designed to cover treatment costs like prescription medication, wage replacement, mileage cost, and other medical procedures necessary for the employee’s road to recovery. It caters to workers that suffer from cumulative trauma due to repetitive strain or stress injuries from repeatedly performing physically demanding tasks on the daily. It also covers occupational diseases like lung disease or cancer due to poor workplace conditions.
Knowing your rights as an employee will help you avoid any conflicts of denials or reimbursement in the case that something happens at work and you have to head to urgent care. Time is of the essence when it comes to your health, but it also matters in the law too as you only have a small window of opportunity to file for a claim.
With that in mind, it’s in your best interest to notify your employer of any injuries as soon as possible as the first step to acquiring workers’ comp insurance. Give your employer a heads up while you make your way to Agile Urgent Care in New Jersey so they can do what is required on their end.