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Determining Workers' Compensation Coverage

Government Workers' Compensation Act

As a way to ensure that employees are protected when an injury occurs on the job, the government developed the Workers’ Compensation Act. This Act ensures that federal employees are covered when speaking in terms of medical costs and monetary compensation in the event of an accident.


 

In addition to being physically injured while working, this act also protects those who catch a disease or debilitating illness while they are working. Additionally, if the person passes away due to this cause, there are benefits provided to the employee’s family.


 


The hospital and medical charges are compensated for when a person requires medical attention. This puts many people at ease, since medical bills are one of the highest reasons that people get and remain in debt. There are some limitations when it comes to medical care. As an example, if the employee wishes to change the medical professional he or she is working with, instead of simply going to a different doctor, the person must obtain permission from the board.


 


If the employee has become disabled, he or she will receive compensation as if he or she is still working. For instance, if the injuries result in only a temporary disability, this person will continue to receive up to 45 days' worth of pay. In the event of death, the family members receive a portion of the salary the employee was being paid. Additionally, the funeral costs are paid for. If there are no children involved, the wife or husband will receive half of the regular salary. On the other hand, if there are children involved, the children will receive 15 percent per person and the spouse 45 percent.