The Tennessee Workers' Compensation Act is a critical piece of legislation that protects most employees within the state's borders. Many people work to support themselves and loved ones, so being sidelined from work has the potential to create financial chaos. Under this state law, however, those who suffer a work-related injury or illness are entitled to wage reimbursement and medical coverage.
According to the Tennessee Department of Labor and Workforce development, injured or ill employees should receive two-thirds of the wages earned during the year prior to developing health issues. Of course, this provides a critical financial safety net. Even though a person may not be able to work, regular monthly expenses will not stop piling up.
In addition to monthly bills, a workplace accident is likely to result in medical expenses. For an employee worried about money in the wake of a workplace accident, knowing that medical coverage is in line may be a huge relief. If a doctor can demonstrate that medical treatment or procedures are related to a work injury, then it can likely be funded through workers’ compensation. Not only that, but the state labor department indicates that medical equipment, such as crutches or medication, should also be covered.
Wage and medical coverage are certainly critical points of interest for injured workers, but making ends meet might still be a challenge. After all, a person may be missing as much as one-third of their total wages. Over time, living without that portion of a paycheck can create hardship.
Keeping in mind the financial toll of a workplace injury, it may be helpful to not only ensure that workers' compensation benefits are paid in full, but additional financial recovery may also be in line. Other parties may have played a role in a workplace accident, so it may be possible to pursue compensation from outside individuals or entities.