When a worker suffers from an injury while on the job, some of the first questions relate to who is going to cover medical bills and income loss due to missed days of work. Fortunately, the state requires employers to carry worker’s compensation insurance, and these benefits cover work-related injuries.
Although the majority of employers meet the requirements for insurance, some do not. Employees should check and make sure the company is not exempt before filing a claim
Worker’s compensation benefits
The bills related to a work-related injury can add up quickly. According to the Wisconsin Government Department of Workforce Development, benefits cover all of the necessary related medical expenses. These include bills from a physician or hospital, prescriptions, physical therapy, rehabilitation and travel expenses related to medical care. This coverage is full and unlimited.
Most injuries result in missed work days, so benefits also help cover lost wages. This amount is two-thirds the employee’s weekly wage up to a maximum amount. This payment continues until the employee returns to work, or for a lifetime if it is a permanent disability. To help employees return to work, the insurance benefits cover vocational retraining and rehabilitation.
If a work-related incident results in a fatality, there are death benefits. Coverage pays for burial expenses and monetary benefits up to a specified maximum amount.
Exceptions to the insurance requirement
According to the State of Wisconsin, Office of the Commissioner of Insurance, most private and public employers must carry worker’s compensation. However, there are some exceptions. Tribal enterprises do not need to comply, and federal laws cover federal employees.
Other exceptions include:
- Farm employees
- Domestic servants
- Religious sect members
Additional exceptions are those who are not employees. These include owners of sole proprietorships, although employees receive coverage, self-employed people and independent contractors.