The various types of worker’s compensation claims categories are the main point of discussion in this article. These different types of claims for workers’ compensation are classified according to the degree of harm sustained by the worker. The extent of the harm also factors into the calculation of the financial award and the period it covers.
A person hired by an employer to work for his company is referred to as a worker. And the remuneration that he receives in the event of a workplace accident is known as Workers’ Compensation.
What Are Liabilities?
The term “liabilities” refers to the monetary losses and health impairments the worker has incurred. This mainly consists of items like the salary for days when he did not come to work, the price he paid for visits with his attorney, and the expenditures he spent to pay his medical bills.
Different Types Of Workers’ Compensation
1. Exclusively For Medical Treatment
The worker sustains an injury and seeks medical care for it, but the damage does not seem severe enough for the worker to be absent from work for any significant amount of time. Once the employee has fully recovered from the accident, the company will often allow them to continue working for them in their previous position.
2. Time-Consuming Medical Treatment
The injured worker receives treatment for his or her illness. The worker is out of the office for a period of time because of the accident. Thus, workers may earn two-thirds of their usual weekly wage in weekly benefits. The individual finally returns to work after healing from their injuries and missing some time from work as a result of the accident.
A worker may still be allowed to continue working for the same company despite an injury; however, the longer a person is away from work due to an injury, the more likely it will be terminated by their employer.
3. Medical Care And Injuries Preventing A Return To Work
Although the individual receives medical attention and treatment, their injuries are so serious that they will not be able return to their previous work. It is possible that the worker may not be able to find any job because of the injuries.
For example, if the injured employee is discharged by the treating doctors to light-duty work, the worker may be entitled to continue receiving weekly benefits at the amount of two-thirds of their normal weekly pay.
4. Accidents, Diseases, Or Treatment That Prohibit Work
The worker gets medical care, but the severity of their injuries means they will never be able to return to any labor typically accessible in significant numbers throughout the country’s economy. These are injuries of such a severe nature or such a destructive nature that the worker might suffer from a whole person impairment not return to any form of employment afterwards.
When it comes to the most challenging situations, there is often no limit placed on the
number of weeks of income benefits an injured worker may get from their insurance company. Depending on the circumstances, these benefits could be extended, with some modifications here and there, for the rest of the wounded worker’s life.