Workers’ compensation is a type of insurance that your employer is
required to purchase to reimburse employees from healthcare costs related
to workplace injuries. The federal government mandates and regulates workers’
compensation programs for federal employees, and the state mandates and
regulates workers’ compensation programs for all other employees.
If you’re interested in learning more about
workers’ compensation in Marietta, keep reading.
Health Issues Covered by Workers’ Compensation
Workers’ compensation covers any type of disease, injury, or illness
sustained as a result of your normal job duties. If an employee is intoxicated,
suffers a self-inflicted injury, has violated company policy, or has sustained
an injury while committing a crime, he is not eligible for workers’
compensation coverage. Your workers’ compensation injury, illness,
or disease doesn’t have to be sustained at your physical place of
employment; it just must be sustained in the normal course of duty for your job.
Medical Services Covered by Workers’ Compensation
Any hospital or medical services that result from treating or diagnosing
a workplace injury or illness are covered by workers’ compensation.
This type of compensation may also cover visits to certain specialists
for rehabilitation, therapy, and other specialized treatments for injuries
and illnesses sustained on the job. Workers’ compensation also provides
disability payments for the period of time that you’re medically
and physically unable to work due to your health issue.
What Type of Doctor You’ll See
Some states afford employees the right to be treated by their own doctor
if they suffer a health issue while on the job. Other states allow the
employer to refer employees to a doctor, hospital, or health specialist
that the employer has chosen. Because these health professionals are recruited
and paid by your employer, they may not be impartial observers of your
demonstrated behavior or symptoms. If your workers’ compensation
injury or health issue resulted due to your employer’s negligence,
you can bypass the workers’ compensation procedure entirely and
visit an orthopaedic doctor of your choosing. You can also pursue legal
action against your employer in court.