State Benefits Coverage

Most states require some form of workers compensation insurance and carry different laws regarding benefits. Work Comp coverage offers benefits to employees of companies and must be purchased by employers.

A workers compensation policy has three parts; state benefits, referred to simply as work comp (discussed here), employer’s liability, and “other states” benefits.

Coverage part 1 of the workers compensation insurance policy details the statutory benefits made available to employees who suffer bodily injury or disease as a result of their employment. The benefits include medical services, weekly disability, rehab and death & dismemberment.

Medical benefits do not require any sort of deductible or coinsurance. If you injure yourself at work and need to go to the hospital, it is completely covered with no out-of-pocket expenses on your part.


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Weekly disability benefits can be made available to any employee who cannot work for a period of time after an injury has occurred. There is usually a short time period before you can begin to collect benefits. It is normally a couple of days and not longer than one week.

If you are injured, the typical compensation benefits are two-thirds, or 66.6%, of your normal weekly wage. You can expect a maximum amount of benefits to be paid out in almost every state.

Rehabilitation benefits may include costs for rehab or job training. The goal of rehab benefits is to help an injured worker get back to a position where they can perform their original job or get into a new line of work that may suit their abilities after injury.

Your family will receive a death benefit, including funeral expense up to a specified dollar amount, in the event you are killed as a result of a work-related accident.

Additionally, your dependents, including a spouse or children up to 18 years of age, are eligible to receive a portion of your weekly earnings. There is typically a maximum percentage of income paid out. You should not expect to receive more than 75% of the original weekly wage.

As discussed, each state has different laws, so be sure to contact your employer or state department of insurance to determine what benefits you may be eligible for as a result of a work-related accident.

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