There is always a risk that when you go to work, you will sustain injuries. Workplace accidents can result in disability and other medical problems, and they are common across many industries.
According to the Bureau of Labor Statistics, in 2020, 2.7 nonfatal workplace injuries and illnesses occurred in private workplaces, as reported by employers. If you sustained injuries at work, your workers’ compensation benefits can cover medical costs as well as several other lesser-known expenses.
If you are responsible for taking care of young children, a workplace accident can render you unable to manage these duties outside of work hours. Workers’ compensation benefits may help you cover the cost of hired childcare help.
2. Home modifications
If the workplace accident results in a disability, you may need to modify your home. For example, if you lose the use of your legs, workers’ compensation benefits may cover the cost of making your home wheelchair accessible.
3. Physical therapy
Recovering from a workplace accident may require physical therapy as part of your treatment plan. Workers’ compensation benefits may help with this necessary expense.
4. Lost wages
After a workplace injury, you may not be able to return to work for a while. The workers’ compensation system can replace a portion of your lost wages while you recover.
5. Job training/retraining
Depending on your position, you may not be able to return to your previous job. If you need to retrain for your current job or train for a different one, workers’ compensation can help with the cost of job training and retraining.
The purpose of workers’ compensation benefits is to help you recover from the accident. Notify your employer right away about the accident and see a physician shortly after to protect your rights to these benefits.