When employers comply with state workers’ compensation rules, they protect themselves, as well as the people they employ. Workers’ compensation protects businesses by indemnifying them from injury-related liability. If workers get hurt, they usually cannot sue their employers but must instead file workers’ compensation claims to recoup their losses.
The workers’ compensation system also protects professionals by reducing the economic strain caused by on-the-job injuries. Workers’ compensation benefits can pay for all necessary medical treatment necessitated by an on-the-job injury or work-acquired medical condition.
Professionals may also be eligible for disability benefits. If they can’t work, disability benefits help replace their lost income. Understanding those benefits can help people recognize when a claim is possible and more accurately predict the benefits they may receive.
Disability pay doesn’t fully replace wages
Workers’ compensation disability benefits do not provide 100% income replacement protection. Instead, both temporary and permanent disability benefits generally only replace up to two-thirds of a professional’s average weekly wage.
Even then, the employee making the claim is subject to a statutory maximum benefit adjusted annually by the state. Those in particularly well-paid professions may find that the maximum benefit of amount available is significantly less than two-thirds of their usual weekly wages. Even though disability benefits only provide partial wage replacement, they are still crucial for the financial stability of those who cannot work due to job-related medical conditions.
Having support during a workers’ compensation claim makes it easier for people to understand their rights and maximize the benefits they receive. An attorney can assist with paperwork and work to ensure that they receive the maximum amount of benefits possible.