No employee plans to suffer an injury or illness while on the job. This is why workers’ compensation exists, to provide you with the financial coverage you need to receive medical attention and recover until you can get back to work.
However, many American workers may not be aware of the ins and outs of workers’ compensation benefits. It’s for this reason that it may be in your best interests to hire a workers comp attorney if you’ve been injured or fallen ill on the job.
To give you a better understanding of workers’ comp benefits, here are a few things that workers’ compensation covers and one thing it doesn’t.
What does workers’ compensation insurance cover?
- Missed wages. Missed worked can be a huge financial burden for you and your family. Fortunately, workers’ comp can provide you with a portion of your missed wages while you recover from your injuries. Depending on the injury and your place of employment, South Carolina’s workers compensation can pay up to $838 per week at the maximum, according to the South Carolina Workers’ Compensation Commission.
- Long-term care. In some circumstances, your work injury or illness may be so severe that it requires ongoing treatment and long-term care. Workers’ compensation can help to cover the medical expenses of this care until you’re able to return to your everyday activities.
- Funeral costs. In the event that a work tragedy has resulted in your or a loved one’s death, workers’ compensation can help cover the funeral costs. This gives the family time to grieve rather than forcing them to stress over burial costs.
What doesn’t workers’ compensation cover?
Workers’ compensation insurance doesn’t cover any damage by or to a third party such as personal injuries. Customers and passersby may be involved in the same accident that’s injured you as an employee.
However, the third party’s injuries are the responsibility of your employer, as long as it was a work accident and the employer was negligent in causing the injury.
Workers’ compensation can be a tricky subject and policies differ from state to state. A workers’ comp lawyer Columbia SC knows and trusts can help you navigate your workers’ comp policies. To learn more about South Carolina’s workers’ compensation law, contact a Columbia workers’ comp attorney at Best and Flatt today.
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