Workers' Compensation
State-mandated insurance that provides wage replacement, medical benefits, and rehabilitation to employees injured on the job or who develop occupational illnesses, regardless of fault.
Benefits typically include: medical treatment, temporary total disability (TTD) wage replacement (~2/3 of wages), permanent disability, and vocational rehabilitation.
You generally waive the right to sue your employer by accepting workers' comp.
Receiving workers' comp can reduce SSDI benefits through the 'workers' comp offset.'
→ File a workers' comp claim immediately . delays can hurt your case.
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Frequently asked questions about Workers' Compensation
What is Workers' Compensation?+
Workers' Compensation is like a safety net for workers. It's insurance that helps you if you get hurt or sick because of your job. It can pay for your medical bills, help replace some of your lost wages, and support your recovery so you can get back to work. It doesn't matter who was at fault for the injury.
Who can get Workers' Compensation?+
Most employees who get hurt or sick because of their job can get Workers' Compensation. This includes injuries from accidents at work or illnesses that develop over time because of your work. Each state has its own rules, but the main goal is to help workers recover and return to their duties.
How do I apply for Workers' Compensation?+
If you get hurt at work, you should tell your boss right away. There are forms you'll need to fill out, and deadlines to meet. Your employer or the insurance company will guide you on the next steps to start your claim. It's important to report your injury quickly.
How much money can Workers' Compensation offer?+
The amount you get from Workers' Compensation depends on a few things. It can cover your medical care related to the injury. It might also replace some of your wages if you can't work. The exact amount varies by state and how serious your injury or illness is.