After determining whether or not a person is eligible for the Second Injury Fund and the benefits that come with it, the next step is determining just what those benefits may be. Understanding how the Second Injury Fund can help employees is necessary in order to get the most out of the Fund.
The Department of Labor has stated that workers’ compensation can be bolstered by this Fund as long as certain requirements are met. There are 5 primary benefits that an eligible worker can obtain, which include:
- Death benefits
- Rehabilitation benefits
- Disability benefits
- Indemnity for second job lost wages
- Medical expenses for employees whose employers are uninsured
The amount of coverage may differ from person to person and can also depend heavily on which category an employee is looking to invoke. Likewise, each category comes with its own set of limitations and requirements that must be met before the benefits are withdrawn. These categories are good to keep in mind when an employee is considering their injury and what they might need in order to compensate for their lost time, mobility and especially money.
Along those lines, the Kansas Insurance Commissioner ensures that medical expenses can be handled either partially or wholly by the claims that can be made under Second Injury Fund terms. However, it is usually up to the employee in question to find out where they stand and how much they are eligible for on their own.
Keeping an eye on eligibilities and benefits is a good way to limit the damage that a workplace injury may cause an employee. As long as the employee knows which types of benefits they may be eligible for, it can make collecting a much easier process.