Workers’ compensation is a state-mandated insurance program that provides benefits to employees who suffer work-related injuries or illnesses. In Tennessee, most employers must carry workers’ compensation insurance to protect their employees in the event of a workplace accident or occupational disease.
As a worker, you should understand the two types of coverage available to you after an injury.
Wage replacement
One of the primary benefits of workers’ compensation is wage replacement. If your injury or illness prevents you from working, you may receive a portion of your lost wages. In Tennessee, wage replacement benefits are typically calculated at 66.67% of your average weekly wage.
You usually receive wage replacement benefits until you can return to work or reach maximum medical improvement. MMI is the point at which doctors do not expect any further improvement in your condition, even with additional medical treatment.
Medical cost coverage
Workers’ compensation also covers the cost of medical treatment related to your work injury or illness. This includes doctor visits, hospital stays, medications, physical therapy and other necessary medical expenses.
Your employer’s workers’ compensation insurance carrier has a network of approved healthcare providers that you can choose from for your treatment. If you wish to see a doctor outside of this network, you may need prior approval from the insurance carrier.
If you experience an injury on the job in Tennessee, it is important to understand the benefits available to you through workers’ compensation. These two types of coverage can help you manage the financial impact of your injury and focus on your recovery.
