Bare FactsWhen an employee whose employer has elected workers’ compensation insurance (all school districts), is injured on the job, the employer or the insurance company is responsible for the cost of medical care and a percentage of lost wages due to the injury. Workers’ compensation prevents employees from having to sue the district in order to collect damages. Workers’ compensation pays benefits, regardless of fault. If you choose to collect the benefits, you have most likely forfeited your right to sue your employer for further compensation.
EligibilityAll employees are eligible if they are injured “out of and in the course of employment.” Basically, you must be injured while involved in some work-related activity (volunteers and independent contractors are not covered).
- Weekly compensation covers lost wages after more than 7 days off work due to the injury up to 70% of wages up to a state-mandated maximum amount;
- Death benefits;
- Permanent or temporary partial disability benefits; and
- Medical services deemed reasonable and necessary and related to the on the job injury, including surgery, prescriptions, physical therapy, etc.