Workers’ compensation is insurance coverage that safeguards people who develop ailments or sustain injuries at work. Most states require businesses to have this policy. However, the nature of coverage benefits is influenced by different factors. Workers’ compensation not only protects employees but also safeguards the business from lawsuits.
One of the sectors where workers’ compensation is extremely critical is the trucking industry. Driving trucks is not only physically and mentally taxing but it can also expose the driver to various risks. Workers’ compensation lawyers help with filing and securing damages for work-related injuries. If you’re looking for an Orlando accident attorney/lawyer, you can contact Bengal Law for impressive services.
Workers Compensation For Truck Drivers
A trucking job requires you to be on the road for long hours, leaving you vulnerable to different types of injuries. For instance, they can get traumatic injuries from handling cargo, falling, and road accidents. Some of these injuries can put them off work either for a short period or permanently.
Many truckers find themselves needing workers’ compensation to recover from various injuries and illnesses and to get their lives back on track. Businesses that have workers’ compensation may be immune to lawsuits, but sometimes, the cases can be complicated, especially with 3rd parties involved. It’s always important to get the assistance of a legal professional.
How Workers Compensation Covers Truck Drivers
If you develop an illness or get an injury while driving your company’s truck, the following are some of the ways that workers’ compensation will assist you.
1. Covering the Cost of Medical Treatment
Some truck-related injuries can be minor, but others can be more severe. For instance, if you get into a road accident that leaves parts of your body crushed, you will need extensive medical care. Workers’ compensation covers different medical costs including hospital appointments, medical tests, surgeries, prescription drugs, and occupational and physical therapy. Many truckers use the workers’ compensation to receive treatment, and this helps them get on with their lives.
2. Lost Wages
If you critically injure your arm while unloading cargo, you might be forced to stay away from work for a certain period, thus losing your income. But thanks to workers’ compensation, you are entitled to reimbursements if you miss work following work-related injuries. This enables you to be in a great mental and emotional position as you recover from the injury or illness.
If you miss your income and have no savings to fall back on, and yet are incapacitated in some way, the mental health implications could be serious. But then again, the extent of damages following missed wages depends on various factors.
3. Ongoing Care
Some accidents might require a few days to recover fully, but then some other accidents may cause you to stay for long before full recovery. Back injuries are notorious for having particularly lengthy recovery periods. Workers’ compensation can help with covering the costs related to ongoing care, and this makes the recovery journey easier.
4. Death-Related Expenses
Sometimes, the injuries or illnesses that truckers develop could claim their lives. In such situations, the workers’ compensation can help pay for funeral-related expenses, and also extend death benefits to the dependents or beneficiaries of the deceased trucker. These benefits provide a cushion against financial hardship especially if the trucker had been the sole breadwinner.
5. Repetitive Injuries
Not every truck-related illness occurs as a result of a single injury. Sometimes, the illness can be a result of repetitive injuries, spanning months or even years. For instance, carpal tunnel syndrome, develops over time, resulting in pain in the arms. Workers’ compensation can be used to cover medical costs for managing the illness caused by repetitive injuries.
Truckers might get involved in accidents or develop illnesses that leave them temporarily or permanently disabled. Workers’ compensation can come through for disabled truckers to help them cover their medical expenses and also recover lost wages.
Injuries Covered By Workers Compensation
Workers’ compensation typically covers traumatic and occupational injuries and illnesses. Traumatic injuries can be minor or life-threatening. Concussions, facial traumas, and bone fractures are some of the common types of traumatic injuries. If a trucker gets an accident, there’s a vast range of injuries that they might develop. Some of the common truck-related injuries include spinal fractures, torso trauma, bone fractures, and severe concussions.
Apart from accidents, truckers may also experience occupational injuries or ailments like impact injuries, musculoskeletal problems, and other health disorders. Repetitive impact injuries typically damage the trucker’s soft tissues and may result in illnesses like carpal tunnel syndrome, tenosynovitis, and tendinitis.