Getting injured at work can be a scary experience. Not only are you suffering a physical injury, but you are also probably worried about how you will pay your bills if you cannot work. Thankfully, all employers are required to have what is called workers’ compensation insurance, which is insurance designed to help workers who are injured on the job. In Illinois, workers’ compensation is required to provide three types of benefits to injured workers: medical benefits, disability benefits, and death benefits. These different types of benefits can greatly help employees and their families if an accident does happen.
The first and most basic benefit that is provided by workers’ compensation is medical benefits. If you are injured while you are at work, your employer is required to pay for all of the medical expenses relating to your injury. Expenses that are covered can include:
- First aid;
- Emergency care, such as ER costs and ambulance rides;
- Doctor visits;
- Hospital care;
- Physical therapy;
- Chiropractic treatment;
- Prescription medications; and
- Medical appliances.
If your injury results in a permanent disability, the cost of devices, such as a wheelchair or wheelchair ramp, may be covered as well....