When an injured employee files workers’ compensation claims and is approved by the insurance company he will receive medical coverage. It covers the cost of treating workers for an occupational illness or injury. It includes fees charged for doctor visits, hospital treatment, nursing care, medications, medical diagnostic tests, and physical therapy.

Some accidents may lead to employees’ disabilities. Disability benefits are intended to replace a portion of the wages an employee loses while he or she performs his/her job. Each disability is categorized into temporary total, temporary partial, permanent total, and permanent partial.

Although it is rare to experience mental injury, some states also provide psychological rehabilitation for those workers who suffered a work-related mental injury.

If an employee dies due to a work-related injury, death benefits may be paid to the worker's spouse, minor children, and other family dependents. And of course, burial costs are also covered.