How Workers’ Compensation Benefits Work
Workers’ compensation benefits are of vital importance to injured workers and their families which is why injured workers in South Carolina and their families should understand how they work.
The details of workers’ compensation benefits are important but it is also essential to be aware the benefits are there and to know how to access them when needed.
In South Carolina, most employers, with some exceptions, who have four or more employees are required to carry workers’ compensation insurance. Once a workplace accident has taken place, injured workers have two years to file a claim for workers’ compensation benefits. It is important to note that injured workers are required to report their injury to their employer as soon as possible and have up to 90 days to do so. In addition, there is a seven-day waiting period for benefits but benefits may be retroactive after 14 days.
Some types of injuries and illnesses may not be covered but South Carolina workers suffering from an occupational illness should be aware that occupational illnesses are covered by workers’ compensation benefits in their state. Workers’ compensation benefits that injured workers in South Carolina can receive can include benefits for medical expenses, lost wages, permanent disability and vocational rehabilitation benefits may also be available. It is helpful for injured workers and their families to understand the details of the different types of benefits that may be available.
In addition, it is useful for injured workers to know what to do if there is a dispute related to their benefits and the timelines associated with an appeal if a claim for benefits has been denied. The importance of workers’ compensation benefits for injured workers and their families to help them through some of their most challenging times cannot be underestimated which is why they should be aware of what the benefits help with and how to obtain them.