Types of Workers’ Compensation Claims

Work related accidents have become increasingly more common over the years for a variety of reasons. These accidents are especially common in industries involving construction sites. While these injuries can be severe and traumatizing, companies have workers’ compensation insurance in place to help you through your hard time. There are various types of workers’ compensation programs that will ensure that your damages are recovered and your rights are protected.

Workers’ compensation programs are tailored to meet the needs of many of the accidental situations an employee may encounter. Benefits provided include medical coverage, rehabilitation expenses and disability coverage. The type of coverage an individual receives depends upon a variety of factors that differ from one workers’ compensation claim to another.

Medical coverage

Perhaps the most important aspect of workers’ compensation benefits is that of medical coverage. While the specifics of such medical coverage vary depending on the state you are in, as well as the doctor you are seeing, the medical benefits that an individual receives from workers’ compensation includes hospital and medical expenses. Medical coverage is necessary to identify and treat your illness or injury, regardless of your location. Most medical benefits through this program include doctors’ visits, surgeries and any necessary medications. Additional coverage that may be included depending on your state includes pain therapy, acupuncture, counselling and equipment needed for long term care such as wheel chairs.

Rehabilitation benefits

Benefits regarding rehabilitation include therapeutic care, such as physical therapy. Rehabilitative services covered by workers’ compensation aim to help you deal with your recovery process. Rehabilitation services also cover any training necessary for regaining strength or abilities hindered by your illness or injury. In the event that your injury or illness prevents you from returning to work, your workers’ compensation rehabilitative services may also cover additional expenses to help you become proficient in a new job, such as training or school tuition.

Disability services

The goal of disability services through workers’ compensation is to compensate you for any wages lost due to your illness or injury. Disability services are split into categories depending on the type and duration of your ailment. For example, temporary disability allows you to be out of work but only for a short period of time. Temporary partial disability states that there are aspects of your job that you can’t do, but only for a short period of time; light duty can be an example of this. Permanent total disability states that you cannot work, nor can you ever return to your job or a job similar to yours. Finally, permanent partial disability means that your injury or illness is permanent, but only prevents you from doing certain aspects of your job. If your injury or illness falls under one of these categories, you may be eligible for workers’ compensation disability services.

Another benefit offered by workers’ compensation is a death benefit. This program is provided by most states to the relatives of a deceased worker whose income the family was dependent upon. Services covered by workers’ compensation benefits, depending on your state, may include funeral and burial expenses, as well as calculated percentages of the deceased employee’s earnings to keep the family afloat. In some states, certain family relationship situations may cause problems with regard to receiving death benefits. For this reason, should a work related death occur, it is important to hire a construction accident lawyer immediately.

Contact Jacoby & Meyers, LLP

If you or someone you know has been injured in a work related accident and needs to file a workers’ compensation claim, contact the construction accident attorneys at Jacoby & Meyers, LLP today. Our lawyers will make sure that all of your needs and expectations are met, while maximizing compensation owed to you by your workers’ compensation insurance. Call us at 1-877-504-5562.

Dear friends and clients,

In furtherance of our firms culture of commitment to always act with compassion, concern and commitment to our clients, community and colleagues, we have been taking precautions to ensure that we are still fulfilling our ethical and moral obligations while prioritizing health, wellness and safety of all we can. 

As you know, the COVID-19 pandemic has introduced changes to many lives and businesses in our communities, and around the world. We, much like our neighbors and friends, have been taking precautions to ensure that we are still fulfilling our ethical and moral obligation to our clients, while also prioritizing the health, wellness and safety of our employees.

Until further notice, our offices will be closed to the public to encourage social distancing and to help prevent the spread of COVID-19. Our team is still hard at work, many from home, and you may still call, email, live chat or video conference us if you or a loved one is seeking legal assistance. As the first law firm to offer our clients secure online access to their case file more than a decade ago, we have always been believers in using technology to make life easier and information more accessible. In these present times it has been a smooth transition for us to continue to offer our clients the same seamless and thorough service that you deserve and are accustomed to.

This pandemic is unlike anything any of us have faced in our lifetimes, and while we can continue to emotionally support one another through it all, staying home and keeping your distance is vital to the health and wellness of our communities. It does not feel good to break routines, cancel events and retreat from our normal, day-to-day socializing, but let us remember that, in times of strife, prior generations were asked to go to war and we are simply being asked to stay home. Your isolation equals more lives saved, and more time for medical providers to prepare for the treatment of patients battling COVID-19.

When the dust settles, we will join together with a greater appreciation for our lives, local businesses, loved ones and health. Until then, we will continue to offer guidance from a safe distance.

Very truly yours,

Andrew G. Finkelstein and the staff of Jacoby & Meyers, LLP