HomeLegalWhat Is Covered by Workers' Insurance Plan in Pennsylvania?

What Is Covered by Workers’ Insurance Plan in Pennsylvania?

Both employers and employees bear the cost of workplace accidents. Employers and employees are both protected under workers’ compensation regulations. It is vital to seek compensation if you get injured at work. Contact a Philadelphia, PA workers’ compensation attorney to get the compensation you deserve! 

How does workers’ compensation work?

Being hurt at work is upsetting, demanding, and frightful. You want to take a job, and you need to work, yet your illness or injury results from your job. You require medical attention, yet you must work to provide for your family.

Fortunately, the government has a safety net in place to (hopefully) offer both.

In Pennsylvania, most firms must provide their staff with workers’ compensation insurance. Employers who fail to carry workers’ compensation insurance are subject to civil and criminal fines.

Benefits for Workers’ Compensation in Pennsylvania 

Employees may be eligible for various workers’ compensation payments if they sustain an injury at the workplace.

  1. Medical expenses

Workers’ compensation should cover all expenses for the essential and affordable treatment of illnesses and injuries sustained at work. Emergency department visits, doctor visits, hospital stays, surgeries, prescription drugs, physiotherapy, and medical gadgets are all covered benefits.

  1. Benefits of income replacement

The system reimburses the employee for some of his missed wages if he cannot work due to a sickness or injury. Benefits for either a partial or complete disability are available to employees. The benefit’s amount is equivalent to around two-thirds of the employee’s typical weekly salary.

  1. Particular benefits due to loss

For employees who have lost a limb due to a work-related accident, certain benefits are provided. Workers may also be eligible for payments if they lose the ability to use a certain bodily part permanently or suffer substantial and permanent deformity to their head, face, or neck.

  1. Benefits after death

When a worker passes away due to a work-related illness or accident, the workers’ compensation system also benefits the survivor’s dependents. The benefits cover burial costs and financial losses for dependents.

Exceptions to Receiving Benefits from Workers’ Compensation

In some circumstances, a worker may not be eligible to collect benefits from workers’ compensation. Examples of situations when worker’s compensation claims would not be due include:

Cases involving willful self-inflicted injuries; those where the worker was under the influence of alcohol or drugs; those where the injury was purposefully caused to obtain workers’ compensation benefits fraudulently; and those where the injury did not place within the regular course of the person’s employment.