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Workers' compensation benefits for financial relief after injury

While almost every industry poses certain levels of risk and danger to employees, some are more perilous than others. By using data gathered by the Centers for Disease Control and Prevention and the Bureau of Labor Statistics, a list of the most dangerous jobs nationwide was recently published. California employees in these industries will likely find comfort in knowing that the state's workers' compensation insurance program will provide financial assistance in the event of workplace injuries..

Among the most at-risk workers are firefighters, police officers, emergency medical technicians and hospital workers. Other industries rated extremely hazardous include construction because of the heavy equipment typically used, along with the dangers of working at heights. Records show that this industry tops the rate of injuries and fatalities.

Surprisingly, farm workers are also exposed to life-threatening hazards on a daily basis. Along with the dangers posed by the different types of heavy farming equipment, some of these workers also have to cope with the unpredictability of livestock. Additionally, a significant number of workers earn their living on the road while driving vehicles ranging from taxis to big rigs. With more than 38,000 fatalities on the country's roads in 2015, those who drive for a living are included in the list of the most at-risk workers.

After suffering on-the-job injuries, high medical costs and the loss of wages can cause elevated levels of stress for victims who have financial responsibilities. Fortunately, these expenses can be recovered by pursuing benefits through the California workers' compensation insurance system. Death benefits are available for the surviving family members of workers who suffered fatal workplace injuries. Along with coverage of the expenses related to end-of-life arrangements, the insurance program offers a wage-replacement package for a predetermined period after a worker's death.

Source: Forbes, "America's Most Dangerous Jobs In 2016", Karsten Strauss, Aug. 11, 2016

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