What Will Workers’ Compensation Cover?

June 21, 2024
Stern & Cohen
Construction worker on the job - What Will Workers Compensation Cover

Understanding the scope of workers’ compensation coverage is essential for both employees and employers in Pennsylvania. At Stern & Cohen, we specialize in workers’ compensation law, ensuring that injured workers receive the benefits they deserve.

Comprehensive Coverage for Work-Related Injuries and Illnesses

Workers’ compensation, also known as workman’s comp, provides a safety net for employees who suffer from work-related injuries or illnesses. Here are the primary benefits covered:

  1. Medical Treatment: Workers’ compensation covers the cost of medical treatment needed due to work-related injuries or illnesses. This includes emergency room visits, surgeries, and prescribed medications. For instance, if an electrician cuts their hand while on the job, workers’ compensation will cover the hospital expenses.
  2. Ongoing Care: Some injuries require continuous treatment. Workers’ compensation benefits can cover ongoing care such as physical therapy for a warehouse worker who injures their back while lifting heavy objects.
  3. Lost Wages: If an employee needs time off to recover, workers’ compensation provides partial wage replacement. For example, a chef who burns their arm and cannot work for two weeks will receive compensation for lost income during their recovery period.
  4. Funeral Costs and Death Benefits: In the tragic event of a work-related death, workers’ compensation covers funeral expenses and provides death benefits to the employee’s beneficiaries.
  5. Disability Benefits: Workers’ compensation offers disability benefits if an injury leads to temporary or permanent disability. For example, if a foreman loses the use of a leg due to a work accident, the benefits will help cover ongoing medical expenses and provide financial support.

Eligibility for Workers’ Compensation

Workers’ compensation in Pennsylvania covers various scenarios, including:

  • Work-Related Injuries: Coverage includes injuries sustained on the job, such as a broken ankle from a fall at the workplace.
  • Work-Related Illnesses: Illnesses caused by work conditions, such as exposure to harmful chemicals, are also covered.
  • Repetitive Stress Injuries: Long-term injuries like carpal tunnel syndrome resulting from repetitive tasks are eligible for compensation.

Specifics of Coverage Requirements

The specifics of workers’ compensation coverage can vary by state. In Pennsylvania, nearly all businesses with employees are required to provide workers’ compensation insurance. However, there are exceptions and specific rules for different types of workers, including:

  • Farmhands
  • Self-employed individuals
  • Independent contractors
  • Certain family members

Understanding Pennsylvania’s workers’ compensation laws is crucial for employees to know their rights and what coverage they are entitled to under different circumstances.

Determining the Cost of Workers’ Compensation

The cost of workers’ compensation insurance for your employer depends on several factors, including:

  • Payroll Size
  • Industry Risk Level
  • Claims History
  • Type of Work Performed

These factors influence the premiums that businesses pay, but they do not affect the benefits you receive as an employee. It’s important to be aware of these details so you can better understand how your employer’s workers’ compensation policy is structured and ensure you receive the benefits you are entitled to if you are injured or become ill due to your job.

Choosing the Right Workers’ Compensation Coverage

Selecting the appropriate workers’ compensation coverage involves understanding your rights and what benefits you are entitled to as an employee. At Stern & Cohen, we are dedicated to helping you navigate this process to ensure you receive the comprehensive protection and benefits you deserve.

If you have been injured or become ill due to your job, it’s crucial to know that workers’ compensation can provide the necessary support for your recovery and financial stability. Whether you need medical treatment, ongoing care, or wage replacement, Stern & Cohen is here to guide you through the process.

For more information and to learn about your rights under Pennsylvania’s workers’ compensation laws, contact us today. With our expertise, you can ensure you receive the benefits you are entitled to while focusing on your recovery.