Workers’ compensation is a government-mandated program that helps workers who sustain injuries in their line of work receive the financial support they need.
The U.S. Department of Labor (USDOL) has established four classifications of workers’ compensation to help ensure workers receive the kind of financial support customized to their specific needs.
1. Medical insurance
Medical insurance is a fundamental category of workers’ compensation that can ensure employees receive adequate healthcare coverage for work-related injuries. It covers a spectrum of healthcare needs, from immediate injury treatment to long-term rehabilitation.
2. Salary compensation
Another critical category of workers’ compensation is salary replacement. This reimbursement is designed to provide financial support to employees who are unable to work due to injuries sustained on the job.
3. Vocational rehabilitation
Vocational rehabilitation is a lesser-known but equally crucial facet of workers’ compensation. This classification aims to assist employees in returning to work after a debilitating injury. Vocational rehabilitation encompasses a range of services, including job training, skill development and career counseling.
4. Death benefits
In the unfortunate event of a worker succumbing to injuries sustained on the job, death benefits come into play. These benefits are designed to provide financial support to the family and dependents of a deceased worker.
As an employee, familiarizing yourself with USDOL’s classifications of workers’ compensation can help you understand the kind of financial support you may seek in the event of a work-related injury or illness. By partnering with a legal team, you can ensure you’re fairly compensated so that your injuries don’t cause you unnecessary financial strain.