What Injuries Are Covered?

Injuries employees sustain on the workplace premises or anywhere else while the employee is acting in the “course and scope” of employment are covered if their employer has workers comp insurance. For example, the leading cause of worker’s comp death claims is traffic accidents that occur when the employee is in a vehicle for work purposes, whether the trip is made in the company’s car or the employee’s own vehicle. Accidents driving to and from work are not covered.

In addition to injuries from accidents, workers comp covers injuries employees may sustain from other events that may occur while they are working, including workplace violence, terrorist attacks, and natural disasters.

What Treatment Do Injured Workers Receive?

Injured workers receive all medically necessary and appropriate treatment. With medical costs soaring, these include utilization management guidelines, which describe acceptable treatment protocols and diagnostic tests for specific injuries.

What Benefits Do Injured Workers Receive?

Income replacement benefits are based on whether the disability is total or partial and whether it is permanent or temporary. Impairment is generally defined as a reduction in earnings capacity.

When a business purchases a worker’s compensation insurance, policy provider can help cover businesses by giving financial assistance with, but not limited to,

• Medical expenses for the injured employee: When an employee met an accident while performing his takes and duties inside the business premises and while on working hours, the insurance policy will help in the medical expenses related to the acquired injury.
• The policy will also provide supplemental remunerations for the injured employee based on the business and Ministry of Labor of the Islamic Republic of Afghanistan. when a worker is injured, there are lost wages, the policy will pay a percentage of lost wages while the employee is recuperating from the workplace injury. Injuries may sometimes lead to disability, it may be temporary or permeant and partial or total, still, the policy will provide a partial replacement for the lost-wages or income of the employee.
• Workers’ compensation insurance will help with the legal fees if there is alleged workplace negligence resulting in the employee’s workplace injury.
• Dear benefits: In the event that there are accidents that have resulted in death, worker’s compensation insurance will give benefits to the beneficiary of the worker killed while on and at the job.

Coverage of WC:

• Permanent total disability
• Permanent partial disability
• Temporary disability
• Accidental death
• Medical expenses due to accident