Workers’ compensation provides three main categories of benefits: medical benefits (covering all necessary treatment with no deductible or dollar cap in most states), disability/wage-replacement benefits (typically 66⅔% of average weekly wage), and death benefits (funeral expenses plus ongoing payments to dependents).
Waiting periods before disability benefits begin range from 3 days in Alabama to 7 days in Florida, Georgia, Louisiana, North Carolina, and Tennessee. Medical benefits begin immediately in all states.
