Before taking a look at all the entitled Beneficios de la Indemnización Laboral and how to calculate them, first let’s take a look at what workers’ compensation really is.
Every state has a mandatory insurance program for their workers that requires payments to be fulfilled by an employee for an injury or disability that took place at work. Some states also suggest for companies who employ a small number of people to not have a mandatory workers’ compensation insurance program.
Different government organizations have their own compensation plans for their workers. Therefore, it is considered federal employees do not come under the state-mandated plans.
Most programs include offering workers; compensation to the injured employee even if they were the ones responsible for it. The reason is, it is supposedly a ‘no-fault’ insurance program that covers the costs and helps workers deal with any accidents or injuries that occurred while performing a job-related task.
However, any employee who was found intoxicated, high on drugs, or involved in a physical fight may not receive the workers’ compensation, because it wasn’t an accident but a choice.
Also, in most states, the compensation is received by a worker only after 7 days. If a deep injury is caused, only then it is compensated, which means the employee will not be coming for 7 days or more than 7 days to work. If the injury is healed within 7 days, then a worker is not considered eligible for workers’ compensation.
What Expenses Are Covered By The Workers’ Compensation Program?
An employee is entitled to receive the benefits of an insurance program in the following categories:
- Medical aid for the injury that occurred on the job
- Reimbursement for the lost wages (usually about two-third according to most states)
- Costs involved in retraining for a new job, if any
- Financial compensation for permanent injuries
- Financial compensation and benefits for the family if the worker died on the job or due to injuries
Types of Disability Benefits For A Worker
For injured employees, the disability benefits fall into four categories mentioned below:
- Temporary partial disability
- Permanent partial disability
- Temporary total disability
- Permanent total disability
When a person experiences a temporary disability, they expect to recover completely along with taking the time to heal. This means they will improve and will be capable of doing work just as before. While in a permanent disability, a person’s condition becomes stable but they are not expected to improve completely.
A worker with a total disability may not be able to work in any firm or company because their disability will prevent them from doing any work, even for a temporary basis. However, partial disability means that the employee will be able to work in some way or capacity. They will still be able to offer their skills but not as much as before. They are restricted by doctors in some way that may limit their total office time, workload, etc.
Moreover, the idea behind any workers’ compensation program and strategies is to create a win-win situation for both parties.