Core benefit categories
Workers' compensation programs provide a defined set of benefits that replace lost wages, cover medical costs, and support long‑term recovery after a work‑related injury or illness.
More from this site
Keep reading the latest coverage
Medical benefits
All necessary medical treatment related to the injury is covered, including doctor visits, hospital stays, surgery, medication, physical therapy, and any required medical equipment.
Wage‑replacement benefits
Temporary total disability (TTD) pays a portion of lost earnings—usually 60‑66 % of the employee's average weekly wage—while the worker is unable to perform any job duties. Temporary partial disability (TPD) applies when the employee can work limited hours or duties, offering a reduced percentage of wages.
Disability benefits
When injuries cause lasting impairment, workers may receive:
- Permanent total disability (PTD) for injuries that completely prevent any gainful employment.
- Permanent partial disability (PPD) for partial loss of function, with compensation based on a statutory schedule or wage loss.
Vocational rehabilitation
If an employee cannot return to their prior role, the program may fund retraining, job placement services, or education to help secure suitable employment.
Death benefits
If a work‑related incident results in death, surviving spouses, children, or dependents receive funeral expense reimbursement and ongoing financial support, typically a percentage of the deceased's wages.
Comparative overview
| Benefit type | What it covers | Typical eligibility |
|---|---|---|
| Medical | Doctor visits, surgery, meds, therapy | Any work‑related injury or illness |
| Wage‑replacement | Lost earnings during recovery | Inability to perform job duties (TTD) or reduced capacity (TPD) |
| Disability | Long‑term loss of earning ability | Permanent impairment—total or partial |
| Vocational rehab | Retraining, job placement, education | Unable to return to prior work |
| Death benefits | Funeral costs, survivor payments | Fatal work‑related incident |