Workers’ compensation covers many workplace injuries, but not every injury qualifies. If you get hurt on the job, you may wonder whether you are eligible for benefits. Understanding what injuries workers’ comp covers can help you take the right steps.
Injuries caused by workplace accidents
Most work-related accidents qualify for workers’ compensation. Slips, trips, and falls can cause broken bones, sprains, or head injuries. Machinery accidents may lead to cuts, amputations, or crush injuries. If your job involves lifting heavy objects, you could suffer a back or muscle injury. As long as the injury happens while performing job duties, it is usually covered.
Repetitive stress and occupational illnesses
Some injuries develop over time due to repetitive movements. Carpal tunnel syndrome, tendonitis, and bursitis are common in jobs requiring repeated motions. Occupational illnesses, such as lung disease from inhaling harmful substances or hearing loss from loud environments, may also qualify for workers’ comp. If your job conditions cause or worsen a medical condition, you may be eligible for benefits.
Injuries outside of work duties
Not all injuries at work qualify for workers’ comp. If you get hurt while intoxicated, fighting, or engaging in horseplay, your claim may be denied. Some injuries that happen on break or during your commute may not be covered unless they occur on company property or involve work-related duties.
Taking the right steps after an injury
If you get injured at work, report it as soon as possible. Delays can affect your claim. Seek medical attention and follow the treatment plan. Keeping records of your injury and how it affects your work can support your claim.