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How do workers' compensation benefits work?

Pennsylvania residents who have suffered injuries or illnesses while on the job, depending on their fields of employ, may be able to have their treatment costs and financial losses covered. This is made possible through workers' compensation benefits, something for which most employers are required to supply coverage. How does one gain access to these benefits and what do they cover?

After suffering an injury or illness that can be directly linked to one's job, he or she may file a workers' compensation claim through his or her employer. It is a matter of filling out and submitting the appropriate forms. Work comp claims must be made within a certain time frame, usually 30 days following an injury. Those whose illnesses are linked to their jobs may have longer to file for benefits.

Workers' compensation benefits cover medical treatment and income during one's downtime. If injury or illness results in disability or the inability for one to return to his or her current position, benefits may also cover losses associated with either situation. Every case is unique, so what is covered and how much financial relief is granted will be different for everyone.

Workers' compensation benefits are meant to protect both employers and employees. Unfortunately, most insurance companies will only pay out the bare minimum and will require one to use their approved medical providers. This is not always ideal and may not provide for all of one's needs during or after recovery. With the assistance of legal counsel, Pennsylvania residents can take the steps necessary to get the full medical care and financial benefits to which they are entitled.

Source: FindLaw, "Workers' Comp Benefits Explained", Accessed on April 2, 2017

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