Every marriage is not meant to last forever. No matter what the reasoning behind the divorce, it is important to have legal representation for each side. I almost lost everything because my former spouse said that he was taking care of things and that he would be fair about how the assets were divided. It took several weeks for me to find out what he was up to. It was then that I hired my own attorney and got what I deserved. You should never attempt to go through a divorce without a lawyer working on your side. On my site, I have listed several of the issues that can get overlooked if you are inexperienced with divorce documents and proceedings.
Most people have to have a job in order to make ends meet, but the workplace can be dangerous. In the year 2013 alone, private employers reported just over 3 million nonfatal injuries occurred while workers were on the job. Fortunately, you have access to workers compensation insurance to help cover any damages a work-related injury might cause you.
Here are 3 benefits workers compensation insurance entitles you to receive.
1. Medical Assistance
In addition to the medical insurance policy that you obtain through your employer, workers compensation insurance provides medical coverage as well. If you are injured in a work-related accident, you will be entitled to help paying for your doctors' visits, hospital stays, and any surgeries required to help you heal from your injury.
In some instances treatments like acupuncture or massage that will help reduce pain may also be covered under your workers compensation insurance claim.
2. Lost Wages
Being injured on the job will often require that you take a leave of absence in order to recover properly. This leave of absence will make it impossible for you to generate income, since you can't work during your recuperation time. Fortunately, workers compensation insurance can help you recoup some of your lost wages.
Benefits are calculated using the amount of your salary as of the day you were injured. You are entitled to receive 66 and two-thirds the amount of your salary when you file a workers compensation insurance claim. Some states also allow for your employer to supplement your income if you are able to return to work in a reduced capacity while you heal from your injuries. If you are able to perform tasks that don't pay as much as your original job, your employer will have to make up the difference until you can return to your original position.
3. Vocational Rehabilitation
Some injuries are so severe that they prevent workers from returning to their original line of work. In these instances, workers compensation insurance benefits will pay for the training and education required to learn a new skill.
If you are unable to continue performing the job you are trained for as a result of an injury you sustain at work, take advantage of the vocational rehabilitation benefits provided through workers compensation to help transform yourself into a more marketable employee in a new, less physically demanding field.
No one plans to get injured on the job, but it is comforting to know that you can count on workers compensation benefits to help you pay for your medical expenses, lost wages, and additional training when required should you sustain a serious injury at work. Talk to places like Arrington Schelin & Munsey PC for more information.