Workers' compensation insurance is designed to provide benefits to employees who are injured or become ill because of their job duties. The specific types of injuries and illnesses that workers' compensation insurance covers vary by state, but generally, the below types of injuries and illnesses are covered.
Workers' Compensation Coverage
The below coverage information is general and may not apply in your state. Check with your employer or a workers' compensation attorney to find out more.
Workers' compensation insurance covers injuries that result from workplace accidents, such as falls, being struck by an object, and machinery accidents. It may also cover those away from the main work site such as those traveling for business, at client meetings, at off-site training classes, and more. If an employee is riding or driving in a company-owned vehicle, they will be covered in most cases regardless of the accident location.
Repetitive stress injuries
Workers' compensation insurance may cover injuries that develop over time due to repetitive motions or prolonged exposure to certain conditions, such as carpal tunnel syndrome or back injuries. You must, however, file a claim once you are diagnosed by a medical professional.
Workers' compensation insurance may cover illnesses that result from exposure to toxic substances, such as mesothelioma from asbestos exposure, or illnesses related to long-term exposure to workplace hazards, such as respiratory illnesses from exposure to dust or fumes. This type of injury may take time to become apparent.
Mental health conditions
Workers' compensation insurance may cover mental health conditions, such as anxiety and depression, that develop because of work-related stress or trauma. For example, workers who are traumatized by workplace violence will likely be covered with benefits such as paid time off, therapy, medication, and more.
Workers' compensation insurance may cover pre-existing conditions that are aggravated by work-related activities or conditions, such as back pain that is worsened by heavy lifting. Additionally, workers who have previously been hurt at work will likely be covered for a recurrence or worsening of the original injury. Many hurt employees are turned down because the insurer claims that the injury was preexisting. Speak with a workers' compensation lawyer if your claim was denied for this or any other reason.
The key factor in determining whether an injury or illness is covered by workers' compensation insurance is whether it arose out of or in the course of employment. If you are unsure whether your injury or illness is covered, it's best to consult with an experienced workers' compensation attorney in your state.
Contact a firm like Bollenbeck Law, S.C. to learn more.