Workers’ compensation is a type of insurance that provides benefits to employees who suffer an injury or illness while performing work-related duties. Specifically, workers’ compensation helps employees pay for medical care, helps them cover wages from lost work and more. Workers’ compensation benefits vary by state. Workers’ compensation coverage also helps business owners protect their business, by covering employee illnesses and workplace injuries, protecting their business from lawsuits, and keeping their business compliant with state regulations.

To receive benefits, there are five requirements that must be met, including:

– The injured worker must be classified as an employee—contractors and self-employed individuals do not qualify for workers’ compensation
– The injured worker’s employer must have workers’ compensation insurance—if they do not, they will not receive any coverage
– The injury must be work-related—if the injury occurred because of reasons not related to work, the injured worker will not receive coverage
– The employee must meet reporting deadlines—reporting the injury is time-sensitive and is typically required within one to three days
– The injured worker must attend medical appointments, examinations, and treatments—if these healthcare services are not met, the injured party could lose their benefits

The cost of workers’ compensation for employers is unique to each company and is determined based on several factors, including the Base Rate and the Total Payroll of Employees. The Base Rate is different for each industry, with higher rates for industries that have a higher risk of injury. The Base Rate is calculated as a percentage of $100 of employee payroll. For example, if the Base Rate for the construction industry is $14 (per $100 of employee payroll), and the employee makes $500 per week, the employer would pay $500 x 14% = $70 per week.

Workers’ compensation provides four types of benefits, including:

– Medical benefits — These include costs for emergency visits, hospital bills, prescription medications, doctor appointments, treatments, procedures, surgeries, tests, equipment, and physical therapy.

– Disability benefits — Disability benefits include monetary reimbursement for lost wages due to time missed from work. This differs based on the employee’s income and has a maximum limit that varies by state.

– Rehabilitation benefits — These types of benefits include physical or vocational rehabilitation programs that help injured workers return to work and may include training, educational expenses, ergonomic equipment, therapy equipment, or other services.

– Death benefits — If a death occurs due to an incident at work, benefits include coverage for funeral costs and burial expenses, typically paid to the eligible dependents.

At Northwest Ohio Urgent Care, we care about your health. We provide workers’ compensation services, so you can be sure that you and your business are receiving the care they need when they need it most. Call us today to book an appointment for workers’ compensation services, or visit our clinic conveniently. We serve patients from Benore Toledo OH, Reynolds Toledo OH, Maumee, OH, Perrysburg OH, Monclova OH, Waterville OH, Holland OH, Rossford OH, Bowling Green OH, Haskins OH and Walbridge OH.