Workers’ compensation, sometimes called workman’s comp, is a type of insurance that provides care and lost wages for injured employees. Workers’ compensation pays out providing medical care coverage and partial wage replacement after a worker suffers an injury or gets an occupational illness at work. In exchange, the worker gives up their right to hold their employer liable in civil court for their damages.
Each state mandates its own workers’ compensation coverage. This means the coverage provided by workers’ compensation and who is eligible vary from state to state. In Pennsylvania, the great majority of employers must provide this type of insurance coverage to their workers.
Eligibility for Workers’ Compensation Coverage
Almost every worker in Pennsylvania should have workers’ compensation coverage from the first time they clock in or begin training on a job. Employers must pay for and provide this type of insurance policy for all seasonal, occasional, part-time, and full-time employees.
According to the Pennsylvania Department of Labor and Industry, there are very few exceptions to the rule and those workers not covered by this type of policy are often covered by other programs that provide benefits. Some exceptions to the state’s workers’ compensation laws include:
- Federal workers
- Railroad workers
All these workers receive workers’ compensation coverage through federal programs. Pennsylvania also allows exceptions for some domestic workers and some agricultural workers, although this is relatively rare, as well.
Types of Coverage Provided by Workers’ Compensation Insurance Policies
If you get hurt or suffer an illness because of your job, your workers’ compensation benefits should include:
- Medical care coverage
- Lost wage benefits
- Vocational rehabilitation
- Burial and funeral coverage
Medical Care Coverage
While there may be some stipulations about which doctor you need to see and when you need to get care, all workers’ compensation insurance policies will cover the required medical treatment for your work-related illness or injury.
They will provide continuing care until your doctor releases you to return to work — and beyond if you are still undergoing care for your condition. Some policies may also pay related costs such as parking at the hospital or your doctor’s office.
Lost Wage Benefits
When you miss work, your lost wages could impact your family significantly. Workers’ compensation provides you with lost wage benefits equaling about two-thirds of your usual paycheck if you miss a week or more at work.
Workers’ compensation insurance can provide you with the therapies and rehabilitation you need to get back to work as soon as possible. This may include rebuilding strength to do your own job or learning a new job that you can do despite impairments.
If your family member passed away because of a workplace injury or illness, workers’ compensation should pay out to help cover expenses related to their funeral and burial.
Talk to a Workers’ Compensation Insurance Attorney in Pittsburgh
If you need help getting the workers’ compensation coverage you need and deserve after an on-the-job injury or illness in Pittsburgh, Berger and Green can help. Let us take care of your initial claim or fight a denial.
Call or text our team today at 412-661-1400 for a free review of your case.