So you want to know what workers’ compensation benefits should include? Well first let’s look at what workers’ compensation benefits are. This compensation plan is a state-mandated (each state will vary in their compensation plan also) insurance program that provides benefits to employees who have suffered job-related injuries and illnesses. So in short, an employee with a work-related illness or injury can get workers’ compensation benefits regardless of who was at fault—the employee, the employer, a coworker, a customer, or some other third party, while on the job.

Now we get into the nitty gritty. Most Workers’ compensation will cover a majority of work-related injuries—but not all. Of course, workers’ comp won’t cover injuries caused by an intoxicated employee or an employee using illegal drugs. This should be a no-brainer, but some try to get by anyway. Coverage may also be denied to employees in situations involving:

• self-inflicted injuries caused by starting a fight.
• injuries caused while the employee was committing criminal activities.
• injuries caused while the employee was not on the job.
• injuries caused when the employee’s conduct violated company policy.

Now it doesn’t take injuries such as falling off a ladder or getting your foot ran over by a forklift to be covered by workers’ compensation. Many employees receive compensation for injuries resulting from overuse or misuse over a long period of time. Most workers’ compensation benefits even cover chronic back problems from repetitive work stress. Workers’ comp pays hospital and medical expenses that are necessary to diagnose and treat the injury keeping an employee from work. But the key element about these benefits is it also provides disability payments while you are unable to work (typically, about two-thirds of your regular salary). Depending on your state and the injury you’ve suffered, your works benefits may also pay for rehabilitation, retraining, and other benefits.

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