Benefits of Workman’s Insurance Cover
When people secure jobs at a company all they think of is the salary and how they will make their life better. They never think of sustaining any form of injury at work and if they do, they have never thought of what to do after getting injured from work. In 2007, research carried out by U.S. Bureau of Labor Statistics, showed that 2.8 million workplace injuries occurred. In case you get an injury while working in your workplace, it is your right to be compensated for the injury you sustain. Worker’s compensation is a benefit that an injured employee should be given. This compensation plan will cover the medical care as well as the rehabilitation care of the injured workman. This insurance cover is always paid by the employer in the company to cover his or her employees. You as an employee have the right to know the workman’s comp coverage you has and other benefits you will enjoy. In case you sustain an injury at workplace you can consult a workman’s compensation lawyer to learn more on the benefits you will get. The benefits you can get from workman’s comp coverage are discussed below.
The first advantage you will enjoy from worker’s compensation plan is the work replacement benefit. In the case that the injury you sustain at work is serious then you need some time off to recover. The doctor will have to write a note to show you that. So even if you will be away from work, your monthly payments will be as usual.
The second benefit of this insurance cover is the death benefit. If the accident you got at the workplace led to your death. It is your spouse and kids or anyone related to you will be compensated for the loss. This shows that your contribution to the company will be appreciated.
The third merit of workman’s insurance plan is permanent total liability benefit. If the injury or health condition you developed at work made to have a permanent disability like loss of one limb, paralysis and so on. Then this insurance coverage will provide you with permanent disability compensation.
The fourth merit of being covered by workman’s insurance coverage is the lifetime medical care. This type of compensation will cover for all your medical cover for the injury and disease that you got during work. In this compensation plan you will be compensated even the transportation cost that you will need during your treatment.
Whoever lacks knowledge on the benefits of workman’s compensation insurance cover should learn more here.