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Sometimes an accident at work can lead to the need
for medical treatment and care.
The employee may need to take time off of work to recover,
and they might need help affording medical care.
In many cases, worker's compensation
can help injured workers.
For this reason, worker's compensation
is an important aspect of business insurance
that no employer should neglect.
Worker's compensation covers the medical care
needed for injury or sickness
caused by a work-related incident.
Most policies will cover diagnosis and treatment
for an injury or a sickness.
So, what's usually covered by worker's compensation?
Sometimes injuries can leave an individual
with lowered strength or mobility.
They may need to retrain for their current or new position.
Retraining costs are often covered by
worker's compensation insurance.
Coverage for lost income depends on the policy.
Lost income refers to the time period
someone can't work due to injury.
Business insurance covers part
or all of the lost income while an employee heals,
and disability coverage may also apply.
In most cases, lost income payments
are a percentage of a person's normal income.
Also, their options can be further determined
by the specific injury and recovery time.
They may have a limit on the time allowed
for lost income benefits.
Now, when an injury causes permanent damage
to an employee's health,
they might receive a monetary benefit.
Worker's compensation also often gives the family
a monetary benefit in cases of death.
Keep in mind that worker's compensation
has limits and exceptions.
For example, policies usually do not cover injuries
caused by carelessness or ignoring company policies.
Worker's compensation insurance protects from injuries
or sicknesses caused by work.
For a fast, accurate quote
on worker's compensation insurance, give us a call.
We've got you covered.