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Posted on: 7 January 2015

Workers' Compensation is one of those entities that everyone has heard of before, but usually isn't very familiar with the details. Here's a look at the most frequently asked questions.

What is Workers' Compensation?

Also known as workmans' comp, this is a state-mandated insurance program that protects workers in the United States. Program guidelines vary by state. Whether you are injured on the job or contract a work-related illness, such as occupational asthma, workmans' comp will provide compensation. The Federal government administers its own program for its employees.

What Does Workers' Compensation Cover?

Workers' Compensation typically covers several key areas:

• Medical Expenses. Doctor visits to diagnose and treat your physical problems, surgery, medications, and medical equipment, like a wheelchair or a walker, are all covered expenses. They may also cover physical therapy, wellness counseling, or pain management services.
• Partial Salary. Every program provides monetary compensation. It varies from state to state, but it is typically two-thirds of your previous salary. As taxes do not have to be paid on this income, the paycheck discrepancy isn't that bad.
• Vocational Rehabilitation. Many injuries and illnesses prevent the worker from being able to perform their previous job duties. Funds may be allotted to re-train you with new skills that you are able to physically perform. Tuition for attending school is another possibility. 
• Death Benefits. Many state workers' compensation programs also provide benefits in the unfortunate event of a work-related death. If the worker had family members who relied on them for their welfare, dependent family members can be compensated for the loss of wages in either monthly payments or a lump sum settlement.

Are All Injuries Covered?

Generally, any work-related injury or illness is covered, even if it is the fault of the employee. However, if the injury is found to be caused while under the influence of drugs or alcohol, a claim may be denied. Other rare instances of denial include if the employee was in the process of committing a crime or wasn't supposed to be on the property at the time of the injury.

Are All Employees Covered By Workers' Compensation?

No. Many factors determine whether or not an employee is covered. Depending on the state, employers with relatively few employees or those involved in agricultural or domestic jobs may not be covered.

Like any government run program, the laws vary among states, and it can be difficult to maneuver the bureaucratic red tape, especially when you aren't well. It is best to seek the advice of a knowledgeable workers' compensation attorney like Mooney and Associates LLC to ensure your best interests are legally protected.