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Workers comp coverage goes beyond workplace injuries

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Workers compensation insurance allows businesses to accommodate their employees in case they injured on the job, but some employers may not know their insurance policy can also cover employees for some of other types of illnesses and injuries.

According to FindLaw.com, a few other things workers compensation may cover are preexisting conditions that are aggravated at work, disease stemming for exposure to chemicals and other materials in the workplace and mental and physical strain and stress.

What may come as a surprise to many employees is that they may be held liable to provide insurance coverage for those workers who are emotionally affected by work, potentially having to cover payments for medications and counseling. It is a smart practice for employers to always check with an employment attorney when purchasing workers compensation insurance, according to the source.

In addition, many states throughout the United States have implemented fee schedules for workers compensation policies. According to a recent survey conducted by the Workers Compensation Research Institute, the prices employers paid for medical professional services were found to be much higher in states that do not require fee schedules.

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