What Does Workers’ Compensation Cover?

Everyone is aware that workers’ compensation covers your damages when you get injured at your workplace. However, most people do not know all the types of damages covered under the scheme. When you do not understand what you are entitled to, you could lose various benefits that come under workers’ compensation. 

If you were injured because of your employer’s negligence or while working, you could seek workers’ comp. However, the process is not easy and requires legal expertise. Hire a Cedar Rapids workers’ comp lawyer to understand your rights. 

What is covered under workers’ compensation insurance?

  • Medical expenses. 

When an accident happens at your workplace in Cedar Rapids, workers’ compensation covers the costs of medical bills entirely. This includes immediate care costs, such as an ambulance ride. Further, it also covers costs of surgeries, appointments, medicals, hospital stays, and other related bills. Ongoing and future medical care is also covered. 

  • Lost wages. 

When you get injured and receive treatment, you are forced to stay out of work, causing you to lose your wages against your will. Workers’ compensation helps you recover your lost income for all the time you stay off work and until your injuries completely heal. For example, if you work as a restaurant waitress and slip and fall, you lose your daily wages. Workers’ comp can help prevent that. 

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  • Compensation for fatal injuries. 

Some work-related injuries can cause death. In this case, workers’ compensation can provide death benefits to the family members to cover the funeral expenses and burial costs. It can also cover the future lost wages and provide financial support to the victim’s family. 

  • Lawsuits. 

It is important to know that you legally release liability for your injuries once you sign the workers’ compensation agreement and accept the insurance money. This basically protects your employer from a lawsuit as they have already paid the amount to cover your damages. Therefore, you should always speak to an attorney before accepting an amount. 

Once you sign the agreement, you cannot file another claim or lawsuit again. For example, if you agree to a lower settlement and then file another claim a few months later, it will be rejected. 

What does workers’ compensation not cover?

It is noteworthy that workers’ compensation does not cover various damages that one can pursue if they file a lawsuit. For example, intangible damages like pain and suffering and loss of enjoyment of life are not covered. Apart from these, workers’ comp does not cover the following: 

  • Injuries caused by intoxication or drugs
  • OSHA fines
  • Wages for a replacement worker
  • Injuries from company policy violations
  • Injuries claimed after firing or layoff
  • Independent contractor injuries

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