Workers’ compensation is an insurance program that helps protect employed people from financial losses related to illnesses or injuries they acquire because of their job. As a result, quite a few people think of medical coverage specifically when reflecting on Oklahoma’s workers’ compensation insurance program.
However, workers’ compensation actually offers a broad range of benefits for employees who get sick on the job or suffer an injury because of a workplace accident. There are even benefits that protect surviving dependents and family members if a worker dies because of a job-related illness or injury. The better you understand the benefits of available, the easier it will be to make a claim in the event that you need those benefits.
Disability benefits are a critical part of workers compensation
When you get sick or hurt on the job, you will probably need to take time off to recover. Especially if the injury results from specific tasks that you perform at work, it may not be possible to continue doing the same job and heal simultaneously.
You can receive a portion of your missed wages during your convalescent period thanks to temporary or short-term disability benefits. If your injury or illness is so serious that you cannot reasonably return to work, you may be able to qualify for permanent disability benefits that will continue to replace a portion of your wages for as long as you remain disabled.
For all disability benefits, there is a state-regulated maximum benefit that you can receive, although the amount of disability you get will typically be 70% of your average weekly pay. Disability benefits are critical protections that help workers pay their bills when they can’t work.