As a rule of thumb, workers compensation covers most injuries that occur while an employee is doing their job. There are exceptions, such as if the employee is intoxicated or using illegal drugs.
Workers compensation insurance can cover medical and rehabilitation costs for a short-term injury, such as a slip-and-fall accident. It also can provide coverage for work-related injuries that develop over a long period or time, such as repetitive stress injuries or chronic back problems.
Here are some examples of what workers comp may cover:
Lost wages. If an employee is unable to work as the result of an injury, they could receive a portion of their wages in a lump sum or in weekly installments depending on the coverage. This payment ends when an employee returns to work.
Medical exams, tests, and surgeries. If an illness or injury requires medical care, workers compensation can cover the bills — even after an employee returns to work.
Ambulances and emergency room visits. If an accident or illness requires immediate care, workers compensation insurance can help cover the costs of an ambulance trip and an emergency room visit.
Physical therapy and ongoing care. Some injuries require ongoing, long-term care. Workers compensation benefits can help cover rehabilitation costs to help an employee recover and return to work.
Funerals, burials, and survivor benefits. Workers compensation also can help pay for a funeral and other end-of-life costs.
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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.