If you have a work-related injury or illness, it is crucial to understand worker’s compensation law. Workers’ compensation covers workplace-related physical injury and illness, and may cover stress-related or psychological injuries. The injuries or illnesses can manifest after work has ceased, as long as they are work-related.
Workers’ compensation might constitute the sole way of getting damages for work-related injuries or illness. This means that you cannot file a civil suit against your employer. Instead, you have to file a claim through Colorado’s workers’ compensation system. Most employers in the state must pay into the workers’ compensation system by buying insurance via Colorado’s state’s workers’ compensation fund.
What is covered? The following is covered is you were injured or became ill as a result of work.
- Temporary disability benefits. If your illness or injury keeps you from normal performance of job functions and you are losing or have lost pay as a result, you may be eligible to get temporary disability benefits. These payments are not available immediately. They are usually only received after work has been missed for at least several days.
- Medical bills. Medical bills incurred in treating a work-related injury and illness will be paid for, so you can receive adequate treatment and recover. In some places, choice of physicians may be limited.
- Permanent disability benefits. If a doctor indicates that you have not or are not expected to recover totally from your illness or injury, you may be eligible for permanent disability benefits. These will be calculated given the extent and nature of your impairment or injury or illness.
- Death benefits. If you should die from a work-related injury or illness, your spouse or children may be eligible for death benefits.