Workers’ Compensation policies are founded on the principle of providing support and restoration when it is needed most.

Medical Expenses

This coverage helps pay for the medical care an employee needs to recover from a work-related injury or illness. This includes doctor visits, hospital stays, medication, and necessary surgeries.

• Example: A warehouse employee injures their back while lifting a heavy box. Your policy can cover the costs of their emergency room visit, physical therapy, and follow-up appointments.

Lost Wages

When an injury prevents an employee from returning to work, this benefit provides them with a portion of their lost income during their recovery period, helping them maintain financial stability.

• Example: A chef suffers a severe burn and cannot work for several weeks. Workers’ Compensation helps replace their lost wages until they are cleared to return to the kitchen.

Rehabilitation Costs

To help an injured employee return to their position or retrain for a new role, this coverage can pay for vocational rehabilitation, physical therapy, and other supportive services.

• Example: An office worker develops carpal tunnel syndrome and requires occupational therapy. Your policy can cover the costs to help them regain strength and adapt their workstation.

Death Benefits

In the tragic event that an employee passes away from a work-related incident, this coverage provides financial support to their dependents, covering funeral expenses and providing replacement income.