Answer

It’s different, certainly. Workers’ compensation is insurance, and like health insurance, it can and does provide payment of medical expenses, doctor’s bills, and entitles you to get treatment and have it paid for. Unlike health insurance, which could theoretically cover various injuries that have nothing to do with your work, workers’ comp insurance only covers medical treatment that’s related to your injury and that is reasonable and necessary to relieve, cure, or rehabilitate you from your injuries. Also, unlike health insurance, workers’ compensation is not just insurance; it’s a system that has a menu of specific benefits you’re entitled to beyond just getting your doctor’s bills paid. If you’re out of work because of your injury, there’s a weekly benefit check you’re entitled to receive. If you have disfigurement, scarring, burns, loss of use, or some sort of permanent aspect to your injury, then you’re entitled to additional payments—what we call specific compensation. There are also vocational benefits and other potential benefits you could be entitled to under the act, if you qualify. So, that’s just a long way of saying it’s not just health insurance. It’s not just there to pay your medical bills; it’s there to help you through the unfortunate situation of being hurt at work and unable to work for a period of time. And of course, there are cases where people are hurt to a point where they can’t get back to that job—sometimes they can’t get back to any job—but in either case, it’s a system that’s there to assist and give you something to either rehabilitate you to get back to work in some form, or, if you can’t, it’s there to provide some sort of income protection depending on the circumstances of your case and your injuries.

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