If you live and work in Delaware, chances are good that you’ve heard of workers compensation. Most people think that workers comp only covers an on-the-job accident, but it actually covers all types of work-related injuries.
Many different types of work-related injuries will qualify for coverage, such as workplace illnesses, vehicle wrecks, accidents, and repetitive stress injuries.
What is Workers Compensation in Delaware?
Workers compensation is a type of insurance that employers are required by law to carry to protect their employees if one of them is injured. Most types of employers are required to carry workers compensation, though some domestic workers and farm workers might not be covered.
What Types of Benefits Can You Receive When You Win a Work Comp Claim?
In Delaware, workers compensation provides excellent benefits to injured workers. In most cases, all your medical expenses are covered, and Delaware is unique in that it allows injured workers to choose their own doctors. Medical coverage actually kicks in the first day of your work-related injury or accident.
In addition to medical benefits, you can also receive wage replacement benefits. Wage replacement is paid at 66 percent and 2/3 of your average weekly wages. You can also receive partial disability payments, but only for up to 300 weeks. These benefits are usually enough to cover an injured worker until they can go back to work.
Does Workers Compensation Cover Mental Health Issues?
Workers compensation can cover mental health issues, but it’s important to check with a lawyer to ensure that your mental health problems are covered. Like other types of work-related injuries, mental health issues will need to be shown to have been brought about because of your working conditions.
Need Assistance Filing Your Case from a Workers Compensation Lawyer?
It is possible to file and win a workers compensation case on your own, but it’s often a good idea to work with a workers comp lawyer in Delaware. Especially if your work comp case is unusual in some way, then it’s probably in your best interest to have a lawyer help you when filing your case.
It is possible for the insurance company to reject your workers compensation case, if they don’t believe that your injury or mental health issues were caused by your employment. Increase your chances of a successful claim by having a lawyer by your side.