The limitations of workers’ compensation for long-term care
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By
Kiwan & Chambers APC
Workers’ compensation provides financial support and medical care to employees injured on the job. However, when injuries result in long-term or permanent disabilities, workers may discover that workers’ compensation has significant limitations. These limitations can affect access to necessary treatment and financial stability, leaving injured workers with ongoing challenges. Limited coverage for long-term care needs California workers’ compensation benefits cover immediate medical expenses and a portion of lost wages. However, they do not always address ongoing or future medical needs. Certain injuries require long-term care. These can include severe spinal injuries, brain injuries or other catastrophic conditions. Medical costs for extended rehabilitation or specialized equipment can quickly surpass the amounts provided by workers’ compensation. Inadequate wage replacement Workers’ compensation typically provides temporary disability benefits equal to two-thirds of the injured worker’s average weekly wage. Although these benefits help cover lost income during recovery, they have limits. Workers who cannot return to their previous jobs due to permanent injuries may receive permanent disability benefits, which are often lower than temporary benefits. Challenges in receiving necessary care Long-term care often requires specialized treatment, including physical therapy, occupational therapy and other rehabilitation services. In California, workers’ compensation may restrict access to these services by limiting the number of approved treatments or requiring utilization reviews. As a result, injured workers may face delays or denials in receiving necessary care, which can hinder recovery and impact quality of life. The limitations of workers’ compensation for long-term care in California highlight the need for injured workers to explore additional resources, such as Social Security Disability Insurance or private disability insurance. Without addressing these limitations, workers may struggle with financial hardship and inadequate care as they manage long-term injuries.The post The limitations of workers’ compensation for long-term care first appeared on Kiwan & Chambers, APC.
