Workers’ compensation medical coverage is a type of medical benefit that your employee receives if they suffer an injury or illness on the job. This means that in most cases, they will require medical services from a doctor or hospital authorized by their employer’s insurer. Employers need to know what medical coverage it entails and how it can affect their business.
If employers don’t have this coverage, they can face lawsuits by their employees to help pay medical costs and even lost wages. This medical coverage is required by law and must be included in every business’s worker’s compensation policy.
This blog post will explore in detail the medical coverage in worker’s compensation.
It Covers Medical Expenses
When you get medical coverage in workers’ compensation, it will help pay for medical expenses related to your injury or illness. Medical costs include:
- Doctor’s appointments
- Hospital stays and surgeries
- Medical supplies or equipment like crutches or wheelchairs
- Physical therapy sessions at home or through a program with the healthcare provider of your choice
Medical benefits are required under workers’ compensation laws in every state. Your medical coverage will likely extend to the end of your treatment plan.
It Helps Employees Get Some of their Missed Wages When They Are Out of Work
Workers’ compensation medical coverage helps employees get some of their missed wages when they are out of work for medical reasons. This medical coverage will typically pay out a portion of your weekly wages in addition to the medical expenses that you have incurred.
Constant Care
You may need to receive medical care for several months after an injury before returning to work. Workers’ compensation medical coverage can help ensure this is possible by providing some lost wage benefits while you recover from injuries sustained on the job.
Illness
Medical coverage in worker’s compensation can help employees with illnesses sustained on the job. They cover medical expenses related to a disease that is caused by exposure to hazardous substances during employment. In most cases, illness caused by exposure will result from inhalation or skin contact with hazardous substances.
Disability
Work accidents can result in disabilities as well. Worker’s compensation also provides disability benefits. This type of medical benefit is available to workers who have had a workplace accident and suffer from an illness or injury that impairs their ability to work. Disability claims may be filed in situations where medical treatment does not help.
The Quality Recovery team in Baltimore has helped many people get medical coverage to recover from their injuries. Our team works with physicians and pharmacies to provide solutions to claims processing. We offer top-of-the-line cold compression therapy, pharmacy services, and more to help restore your health. Our friendly staff is waiting and ready to answer any questions or concerns that you may have.
