Workers compensation is something most people in a typical job won't have to think about. Usually, unless you work in a particularly dangerous work environment, you most likely don't even know the kind of coverage you have. However, if something happens then you'll be glad you are covered and have it. This form of insurance covers medical bills, provides financial aid and covers the period during which you are out, not working. So what happens if you are out of work for a long time, maybe forever? Long term workers' compensation can cover you as well.
First let's be clear on what exactly most workers compensation policies cover. The point of the policy is to provide help should something happen in direct relation to your work. That means when you're at your job site, whether it's a business office or a project ground of some type, and you're doing your assigned duty, then if an accident occurs, you'll be covered. It's important to note that in most situations, this is only the case if your injury came from your assigned duty. That means something in your job description. For example, if you were helping out someone else to create a make shift elevator on a construction site, when you were supposed to be painting walls, that probably isn't a very good idea. You could well find yourself on your own.
Once you know you're covered, what kind of injuries can lead to permanent disability benefits? Someone on a construction site could fall down and break his spine, for example, making him unable to walk anymore. This would prevent him from doing his job, and then he would be covered by the workers compensation. Someone in an office could be working on a computer, and a lamp falls on top of him, blinding him for life. This would also be covered. There are many more examples, but just think of something that would completely prevent you from doing your job, in which case workers compensation would be there to help. It's generally not a pretty picture when this happens, and it's not something anyone would want, but like any insurance, at least the coverage exists if you need it.
In actual real life situations, coverage does change from one place to the next, so if you're working in a dangerous environment, it's important for you to know what you're covered for, and what will actually be paid should something happen to you. It's always better to be prepared, than find out when it's too late that you would have been better off doing another job. Long term and permanent workers compensation is something that is much scrutinized, because it costs a lot to the employer, and only these extreme cases are considered.
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