Many types of workers compensation insurance claims are related to short-term injuries. The worker is back on the job in a few weeks. Other times, the problems are more intense. They may result in months off of work. Sometimes, the worker has a long-term injury to recoup from. No matter what is happening, workers compensation insurance may help cover the costs. This may include rehab for the individual. There are limits, though.
When Does Insurance Cover Rehab?
Let's say a worker suffers an injury on the job. They are off work for a while due to the injury. The condition causes them to weaken. They need to go to a rehab center for a few weeks to get strong enough to return to work. Physical therapy is necessary, too.
In this type of situation, the reason for the rehab is the work-related injury. Therefore, most workers compensation insurance companies will pay the rehab costs, in part or in-full.
On the other hand, if the incident is not directly related to the work injury, the coverage may have limits. For example, if a worker suffers from chronic pain due to a back injury sustained off the job, but exacerbated at work, then the amount of coverage may have limits.
Rehab may not have full coverage in situations like this. Yet, every case is very different.
Why You Should Encourage Recovery
As a business owner, you want your employee to get well and get back on the job. That is important for your business itself.
It is also important to the insurance company. It is best to encourage your worker to get the care they need. Base this information off of what the doctor requires. When a doctor requires specific care, ensure the employee gets it before coming back to work. It helps protect you from liability claims for additional injuries.
Your business does not directly pay for rehab for your workers, though. The workers compensation insurance policy covers these claims up to the limits. Keep in mind that where they get the care and how much they get are not items you can control. They up to the insurer and the employee's doctor.
Workers compensation insurance covers most types of rehab related to work injuries. Work closely with your Fulton Agency representative to ensure your worker's needs are in line with your coverage.