Types of Disabilities Covered by a Workers’ Compensation Policy


On-the-job accidents can result in a wide range of injuries. Some of these injuries cause a temporary lapse in an employee’s ability to do all or part of the job, and some may result in a permanent disability. An important part of telecommunication installation companies insurance policies is workers’ compensation, which pay injured workers the money they lose from not being able to perform the duties of their jobs. A good policy will cover both temporary and permanent disabilities.

A temporary partial disability has occurred when an employee is able to perform part but not all of the duties as defined in his or her job description for a certain period of time. A temporary total disability describes a situation in which an employee cannot perform any of the functions of his or her position but is expected to make a full recovery and return to work. The workers’ compensation portion of telecommunication installation companies insurance policies can cover any wages the employee is unable to earn as a result of the injury until recovery is complete.

Benefits are also paid to employees who experience permanent disabilities, whether partial or total, as a result of on-the-job injuries. The present payment schedule for permanent compensable disabilities varies from state to state, but all can be covered by a solid workers’ compensation policy.