What is Covered by Workers’ Compensation?

Job-site injuries occur every single day, with thousands of injuries per year. In fact, according to the Occupational Safety & Health Administration, there are approximately a dozen work-related deaths each day, leading to around 85 deaths each week, and that does not even include all of the injuries that do not turn out to be fatal. As a result, OSHA carries out inspections, enforces regulations and helps to ensure that workplaces are as safe as possible for workers. However, all of the oversight in the world cannot eliminate all accidents and injuries, so it’s important to know exactly what workers’ compensation is set up to cover.


Medical Treatment

First and foremost, workers’ compensation is there to pay for your medical costs that are directly incurred when you are injured. The experts at the Law Offices of Darwin Johnson expand further on this. It could start simply with the trip by ambulance or helicopter to the nearest medical center, it could include emergency surgery or related services, and it could include all follow-up procedures and surgeries needed while you are in the hospital. If you are eligible for compensation, your bills should be covered until you are healthy again.


Not all injuries are simply going to heal and cease to impact your daily life. They may require minor or even extensive rehabilitation while you regain your physical abilities. For example, a leg injury could make it difficult for you to walk, and rehab can be focused around getting you the maximum amount of possible movement and strengthening your leg. For injuries that happen on the job, this rehabilitation should also be covered.

Lost Wages

When you are in the hospital or recovering at home, you cannot work, and those who are on an hourly pay schedule–and some workers who are on salary–could lose all wages during this time. Whether this means you are out of work for two days or two months, you can also get compensation for those wages. It is worth noting, though, that you may only get partial compensation, rather than payments that equal 100 percent of what you would have earned. Each situation is evaluated on its own.

Additional Benefits

The Department of Labor recognizes that not all injuries are the same, so they note that a general category of additional benefits could also be covered. If you have direct costs that are related to the injury, but which do not fit into the three categories above, you might also be able to get compensation for them. Once again, each case is different and must be examined thoroughly.

Injuries in All Industries

It is commonly states that construction is the most dangerous profession, with the highest injury numbers every year, but this does not mean that injuries are exclusive to this field. No matter what industry you work in, there is always a chance that negligence and other factors could bring about an injury. Other dangerous fields include the agricultural industry and the fishing industry.

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