Workers' Compensation
Medical Benefits
Workers' compensation medical benefits cover the full cost of medical treatment, rehabilitation, and ongoing care for employees injured on the job — without requiring the employee to pay anything out of pocket or file a personal injury lawsuit. In North Dakota, these benefits are mandatory and administered through the ND Workforce Safety & Insurance program.
Workers' Compensation
What You Need to Know About Medical Benefits
First Dollar Medical Coverage
Injured workers receive medical treatment from the first dollar — no deductible, no copay, no out-of-pocket cost. Coverage includes emergency care, hospitalization, surgery, physical therapy, prescription medications, and all medically necessary treatment related to the injury.
Rehabilitation and Return-to-Work
Beyond acute treatment, workers' comp covers vocational rehabilitation and return-to-work programs for employees who need assistance transitioning back to their role or into a modified duty position while recovering.
Lifetime Medical Benefits
For serious injuries, medical benefits can extend for years or permanently. North Dakota's mandatory workers' comp program provides long-term medical coverage that protects both the employee and the employer from open-ended medical liability.