There are four types of Workers’ Compensation Benefits.

Medical benefits: All medical services that are reasonable and necessary for your work injury or disease. These include hospital costs and doctors’ fees for emergency room visits, clinic, office visits, surgery, medication, physical therapy, etc…, and mileage to and from your visits.

Time loss benefits: Replaces 2/3 of your average weekly wage if you can’t work because of your injury, and supplements your wages if you are working a modified job for less money. Your average weekly wage is based on what you earned in the 52 weeks before the work injury and should include any regular overtime worked and performance-based bonuses earned. Time loss benefits are not taxable as income.

Permanent disability benefits: An award of money at the end of a claim based on your degree of permanent impairment and can include an additional work disability award if you are unable to return to full-duty work. This award is not taxable as income.

Vocational rehabilitation benefits: Available if you cannot return to your regular job and cannot find work that pays at least 80% of your pre-injury wages. You work with a vocational counselor to develop a plan that can include paying you time-loss benefits while you are retraining.