Worker's compensation provides payment for medical treatment costs and partial lost wages to your employees if injured on the job. The cost of the coverage is based on the type of work performed and the amount of the payroll. There can be severe penalties for employers that operate without this coverage because it is required by most states. For more information about the worker's compensation requirements in your state, consult an insurance professional. If you are injured at work, you should be entitled to workers' compensation under the law of the state where you are employed.
Benefits vary by state but generally include wage loss, medical benefits, and rehabilitation.
Wage loss benefits are usually paid for the time that you are disabled and unable to work. Many states limit the amount of wage loss benefits by capping the amount of weekly wage reimbursement and the number of weeks you are entitled to receive income benefits. The employer is responsible for the cost of medical care rendered as a result of the work-related injury. Medical benefits are payable for as long as treatment is reasonable and necessary. In extreme cases, some states also offer compensation for the cost of vocational rehabilitation.