Hurt on the Job?

These are benefits to cover the overall medical costs of your recovery and, in many ways, are the core of your benefits. They cover your doctor visits, medical procedures, physical therapy, transportation to and from your doctors’ offices, and other medical expenses you acquire as you work toward getting better again.

You may be eligible for disability benefits, but your specific situation will determine what benefits you may receive.

• Temporary Partial Disability Benefits: These benefits cover your lost wages for a period of time while you are able to work some but are expected to get well and return to your normal work schedule.
• Temporary Total Disability Benefits: These benefits are designed to cover your lost wages if you can’t work at all and are based on the idea that you have recovered all you will and won’t get any better.
• Permanent Partial Disability Benefits: These cover you based on the diagnosis that you’ll partially recover but will always be somewhat disabled.
• Permanent Total Disability Benefits: These are available to those who will never get better and won’t be able to work anymore.

Death benefits are in place to protect those left behind, including the spouse or dependents, when someone dies because of an accident at work. Death benefits exist to cover funeral and burial costs, all medical expenses up to the passing of the deceased, and partial lost support from wages the deceased would have earned.