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Your employer is obligated to provide all the medical benefits that are required to relieve and cure effects of an occupational disease or injury that you have suffered. All these medical benefits should be provided without any deduction, co-insurance, co-pay or any other financial obligation. There are four major types of benefits that you can receive if you are injured while on the job. These advantages include:
Pain and Suffering Benefits
The laws on worker's compensation do not allow for reimbursement for pain and suffering. These laws are known as income protection laws. This means that you will only receive compensation if you are unable to work. However, in case you are unable to go to work due to pain, then you qualify for a weekly compensation. Talk to your lawyer if you are not sure whether you are eligible for compensation or not and know some of the legal benefits for injuries sustained.
Permanent vs. Temporary Disability
Permanent infirmity means that an employee's state is stable but is not expected to improve anytime soon. On the other hand temporary disability means that the worker is still recuperating and will get better soon. A permanent disability is in some cases referred to as a point of maximum medical improvement (MMI) which means that the person will not get any better.
Permanent Impairment Benefits
These are benefits awarded to an employee who has been diagnosed with a physical disability that is permanent. In most cases a permanent impairment is the inability to move a body part. A good example is if you are injured on one of your hands and your doctor concludes that it is 20% permanently impaired. Your state worker's compensation can allow up to $100,000 for permanent impairment. Calculate 20% of $100,000 and get $20,000.
Employees who are disabled receive payment on a weekly basis. The period of these benefits differs from one state to another. This means that an injured employee can qualify for four different disability benefits
Worker's benefits can comprise of rehabilitation expenses, medical care, and disability treatment to reimburse you for your lost wages.