Medical treatment and related costs
Workers' compensation funds doctor visits, hospital stays, surgeries, prescription drugs, and any necessary medical equipment needed to treat a work‑related injury or illness. This includes physical therapy, chiropractic care, and diagnostic tests such as X‑rays or MRIs.
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Wage replacement benefits
When an employee cannot work because of a job injury, the program provides temporary total disability (TTD) benefits, typically a percentage of the worker's average weekly wage. If the employee can return to work with reduced hours or duties, partial disability benefits may apply.
Rehabilitation and return‑to‑work services
Vocational rehabilitation, job retraining, and workplace accommodations are covered to help injured workers regain the ability to perform their previous job or transition to a new role. This may involve ergonomic assessments, assistive devices, or specialized training programs.
Additional expenses covered
Beyond direct medical and wage costs, workers' compensation may also pay for:
- Travel expenses for medical appointments
- Home health care services
- Dependent care for children or elderly relatives if the injured worker cannot provide care
Comparison of benefit types
| Benefit | What it Covers | Typical Eligibility |
|---|---|---|
| Medical | Doctor visits, surgeries, meds, therapy | Any work‑related injury or illness |
| Temporary Total Disability | Wage replacement at ~66% of average weekly wage | Inability to work any hours |
| Partial Disability | Reduced wage replacement | Can work limited hours or duties |
| Vocational Rehab | Training, job placement, equipment | When worker cannot return to previous job |