What characterizes "medical-only" claims in workers' compensation?

"Medical-only" claims in workers' compensation are characterized by cases where an employee has sustained an injury or illness related to their work but does not experience any loss of wages due to that injury. This means that while the employee may require medical treatment to address their condition, they are still able to perform their job duties and do not suffer any financial loss as a result of the injury.

In such claims, the focus is primarily on covering the costs associated with medical care and treatment. This can include expenses related to doctor visits, rehabilitation, medication, and any necessary medical procedures. The key point is that the worker is not out of work and has not lost any income, which distinguishes these claims from those that involve wage loss due to missed work days resulting from the injury or illness.

Understanding this distinction is essential as it helps identify the scope of coverage provided under workers' compensation programs and the implications for both employers and employees.