There are many ways for workers to acquire traumatic brain injuries (TBIs) on the job. Construction workers could fall from scaffolding and hit their heads. Warehouse workers might get struck by falling objects. Delivery drivers could hit their heads during a collision. A teacher trying to calm an unruly teenager could sustain a punch to the jaw that causes a TBI.
Moderate and severe brain injuries can produce a variety of symptoms. Those symptoms are often permanent, as they are the result of structural changes to the brain caused by the injury. How can workers’ compensation help those who acquire a TBI because of an on-the-job incident?
By covering medical expenses
Workers’ compensation provides 100% medical coverage, which can be very valuable for those with TBIs. Workers’ compensation can pay for trauma care and surgical procedures intended to prevent the injury from worsening. Employees may also be eligible for rehabilitation and symptom management benefits. Instead of paying out of pocket or using private insurance with patient responsibility costs, injured workers can receive full benefits for necessary treatment.
By replacing lost wages
TBIs are likely to significantly reduce a person’s earning potential. Those with brain injuries may develop issues with their memory, changes in their personality or challenges related to motor function. Some people have to change professions. Others cannot continue working at all. Professionals may be eligible for different types of disability benefits depending on the severity of their injuries.
Filing a workers’ compensation claim for a life-altering injury can be a challenging process. Professionals adjusting to life with a TBI may benefit from having help as they seek benefits. Seeking personalized legal guidance is always an option.
