Workers' compensation, often referred to as "workers' comp," is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment.

 

Workers’ compensation can provide:

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• Coverage of Work-Related Injuries and Illnesses: Workers' comp covers injuries or illnesses that occur as a direct result of job duties. This can include anything from repetitive strain injuries to accidents on the job.

• Medical Benefits: It pays for medical expenses related to the injury or illness, including doctor's visits, hospital stays, surgeries, medications, and rehabilitation.

• Wage Replacement: If an employee is unable to work due to their injury or illness, workers' comp provides a portion of their lost wages. This is typically a percentage of the employee's regular salary, usually around 66.67%.

• Disability Benefits: Depending on the severity and duration of the disability, workers' comp may provide temporary or permanent disability benefits. These benefits can be further classified as:

  • Temporary Partial Disability (TPD): For employees who can return to work in a limited capacity and earn less than their pre-injury wages.

  • Temporary Total Disability (TTD): For employees who are completely unable to work for a temporary period.

  • Permanent Partial Disability (PPD): For employees who have a permanent impairment that partially limits their ability to work.

  • Permanent Total Disability (PTD): For employees who are permanently unable to return to any form of gainful employment.

• Death Benefits: If a worker dies as a result of a work-related injury or illness, workers' comp provides benefits to the worker's dependents, including funeral expenses and ongoing financial support.