What Is Covered Under Workers’ Compensation?

Workers’ compensation insurance, which is required by law in every state except Texas, gives employees the necessary benefits they need if they are injured on the job.

What Benefits Are Covered Under Workers’ Compensation?

Most policies cover the same types of benefits, but different premium payment plans may be offered. Each state may approach situations a little bit differently as well.

Benefits for the injured worker typically include:

  • Medical coverage for treatments and hospital stays
  • Reimbursement for lost wages through disability benefits
  • Coverage of any rehabilitation expenses

If a worker is killed while on the job, their beneficiary may be able to receive death benefits, such as funeral and other expenses.

Are COVID-19 Illnesses Covered?

COVID-19 workers comp considerations are evolving. Typically, workers’ compensation doesn’t cover community-spread illnesses, such as colds or flu, because it is difficult to pinpoint if the illness was caught at work. COVID-19, however, has presented a unique situation since jobs that are typically not considered hazardous have become quite dangerous.

Because of this, some states have begun to make exceptions for certain high-risk workers, such as those working in hospitals, grocery stores and mass transit environments.

Each state can interpret workers’ compensation requirements differently, so it’s wise to speak with your Human Resources representative if you have any questions.