Workers Compensation Insurance.

Medical Care

• Pays for all reasonable and necessary medical treatment related to a work injury or occupational illness.
• Includes doctor visits, hospital stays, surgery, prescriptions, physical therapy, diagnostic tests, and medical devices.
• No deductibles or copays for the injured employee — all covered expenses are paid directly by the insurer or claims administrator.

Temporary Disability Benefits

• Replaces a portion of lost wages while an employee cannot work due to a job-related injury or illness.
• Typically pays two-thirds of the employee’s average weekly wage, up to a state-set maximum.
• Continues until the employee returns to work or reaches maximum medical improvement.

Permanent Disability Benefits

• Provides compensation if the employee never fully recovers and has a lasting disability that affects their ability to work.
• The amount depends on the severity (disability rating), age, and occupation of the worker.
• May be paid as weekly benefits or a lump sum (called a “Compromise and Release” settlement).

Death Benefits

• Paid to dependents (spouse, children, or other dependents) if a worker dies from a job-related injury or illness.
• Covers reasonable burial expenses (up to $10,000 in most cases).
• Also provides ongoing weekly benefits to dependents, based on the deceased worker’s earnings and number of dependents.