Insurance Coverage and Claims

Workers' compensation insurance provides financial protection to employees injured on the job. It covers medical expenses, rehabilitation costs, and lost wages due to work-related injuries or illnesses. When an employee is injured, they can file a claim to receive these benefits without needing to prove fault. The claim process usually involves notifying the employer, seeking medical treatment, and completing necessary forms. If approved, the worker receives compensation according to state laws, ensuring they can support themselves while recovering. This system helps protect both workers and employers from costly lawsuits related to workplace injuries.