What Injuries Are Covered By Workers' Compensation?

If you are injured or become ill while performing work-related duties, workers' compensation should cover these events. It is meant to cover any work-related injuries or illnesses, though there are some exceptions. Here is more information about what the policy will cover.

Are injuries that occur while traveling covered? 

In general, any injuries that occur while you are doing your job, whether on-site or not, should be covered. If you travel for a business trip and while setting up the conference room, get injured, those injuries should be covered. The same can be said if you get injured while answering a service call for one of your customers. However, if you are in a car accident on your commute driving to work, this is not covered by the policy.

You may also have instances where you were involved in a work-related activity, such as playing for your company's softball team. Injuries caused by this activity may be covered by workers' compensation.

What if you get a repetitive motion injury?

Most injuries and illnesses that occur at work are pretty obvious; you are a roofing contractor and fall off the ladder, breaking your ankle. This is an obvious injury that occurred at work. However, there are others that come from the job you do, though it occurs gradually and over time. One such injury is a repetitive motion injury. One of the most common repetitive motion injuries is carpal tunnel syndrome, which affects your wrists, forearms, and hands.

It affects computer workers and cashiers most often, since you repeat the same motions all day, every day. If you get this type of injury and can prove it occurred as a result of your job, you should be able to get it covered by workers' compensation.

Is a stress-related illness or injury covered?

Another area that can be a little confusing involves getting stress-related injuries due to your occupation. This may be an illness or an injury caused by the stress of your work conditions. For example, you may start getting digestive issues from your occupation due to the high amount of emotional stress. This is starting to be covered by workers' compensation. If something traumatic happens at work, you may experience post-traumatic stress disorder (PTSD), which is also covered by the policy.

What about an occupational illness?

Occupational illnesses are those that are caused by the work you do. If you work with chemicals, and get a burn on your hand, that is an occupational illness. Another occupational illness is where you get lung cancer from working with asbestos. In both cases, they are covered by the workers' compensation insurance policy since they are directly related to your job. 

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