What Benefits Are Available Through Workers’ Compensation Insurance?

Connecticut readers know that a workplace injury can be devastating, physically and financially. Just one workplace accident can result in injuries that require extensive medical care and a prolonged recovery period. If you were hurt at work, it could be greatly beneficial to be aware of the specific benefits that may be available to you through your employer’s workers’ compensation insurance.

The workers’ compensation process can be complex, and it is not always easy to understand exactly what benefits you may be able to claim. After an accident at your place of employment or the diagnosis of an occupational illness, it could be helpful to seek a complete evaluation of your individual case. Many injured workers find an explanation of their options and rightful benefits to be helpful as they pursue the financial support they need during this difficult time.

What to expect from your employer’s insurance

Workers’ compensation is a type of insurance that requires your employer to provide benefits for workers injured on the job. This protects you as the employee, but it also shields the interests of the employer as well. Despite the fact that this insurance serves the needs of injured workers, it can be difficult to secure benefits, even with a valid claim.

The type, amount and duration of the benefits you could claim depend largely on the details of your individual situation. The nature of your injury, the severity of its impact on your life and the amount of time you could be away from work could play a role as well. You may be able to claim the following as part of your claim:

  • Compensation for any permanent injuries you suffered
  • Recompense and coverage for your medical bills
  • Vocational retaining, if you cannot return to the same job
  • Compensation for a portion of your lost wages

Survivors of workers killed on the job or those who died as a result of fatal workplace accident injuries could also claim survivor benefits.

Securing the benefit your family needs

The aftermath of a work accident can be traumatic and difficult for your family. Before you even file a claim, you may find it beneficial to seek guidance and support as you traverse the potentially complex workers’ compensation claims process.

As an injured worker, you are eligible for certain benefits, and you have the right to fight for what you need to get better and eventually return to work.