Workplace accidents, occupational illnesses, and health issues related to working conditions can be personally and financially disastrous, leaving injured employees with significant medical expenses and disabilities. The workers’ compensation system is a no-fault program dedicated to providing injured employees with the critical health care and financial support they need. Below are a few important things every worker should understand about these benefits.

What Benefits Are Available?

After a workplace accident or a chronic medical condition diagnosis, workers’ compensation will pay for the treatment and reimburse you for any wages missed as a result of your injuries. In most cases, these benefits will continue until you can return to the workforce or find employment in another field if you’re unable to resume your previous duties.

What Injuries Are Covered?

In addition to work-related injuries directly related to specific accidents, workers’ compensation also provides benefits to those suffering from chronic medical conditions. Health care workers, for example, often strain muscles transferring patients, and office workers are prone to carpal tunnel syndrome and other repetitive-motion injuries. In some cases, workers may even be eligible to receive treatment for mental health issues related to their working conditions.

Who Is Covered?

Most states require employers to participate in an insurance program to protect their workers from injury and job-related illnesses. In Alabama, any business that employs more than five people, even on a part-time basis, must carry workers’ compensation insurance to cover their employees. However, independent contractors, domestic workers, and agricultural employees are generally exempt.

The workers’ compensation system can be extremely complex, but having a skilled attorney guide you through the process can reduce stress and ensure you get the benefits you deserve. McKinney & Butler LLC has represented the interests of injured workers around Huntsville, AL, providing detailed legal advice and dedicated service to clients in a variety of situations. To schedule a free consultation with a member of their team, visit their website today or call their offices at (256) 536-6307.