Yes, construction workers are covered under workers’ compensation insurance. Their employers pay for the insurance and workers receive insurance coverage at no extra cost.
When construction workers are injured, they can visit a doctor who is approved by the appropriate insurance company for an examination. Workers’ compensation insurance covers medical costs from that point forward.
Workers’ compensation benefits are intended to include:
- Required medical care, treatment, and prescriptions necessitated by your injury;
- Disability and death benefits; and
- 2/3s of your average weekly wage while you are out of work (generally, workers are not compensated for the first seven days they are out of work because of their injuries).