Unfortunately, people sustain injuries, even while on the job. In the United States, most employers are required by law to offer workers’ compensation insurance to their employees. That means that if someone is injured at the workplace while performing their regular duties, they can receive work injury compensation. The insurance covers medical expenses and further treatment as well as lost wages.
Of course, there are certain requirements that must be met in order to claim work injury compensation. The type of injury the individual sustained must be directly connected to the person’s employment. In other words, it can’t be something like falling and breaking an arm while playing a game of touch football at the park with friends over the weekend.
Examples of Work-Related Injuries That Qualify for Workers’ Compensation
Injuries or illness that a person suffered while on the job must be those directly related to their job duties or place of employment. For example, if a person works in an office and spends all their time in front of a computer, typing information into a database or content management system and suffers carpal tunnel syndrome because the workstation is not ergonomic, that individual’s injury is directly related to their job. Another example is a construction worker who is working on a new building and falls from a distance to the ground, damaging a disc in his back. That would also be considered a work-related injury.
How to Determine if Your Injury is Work-Related
A work-related injury is always one that is sustained while the employee is performing some type of work on behalf of their employer. Many of these injuries occur while the individual is actually on the workplace premises. However, work-related injuries can also happen at a site at which a person is working that is not at the company’s headquarters or main building. For instance, if someone drives a truck for a living and is injured while operating or riding in a truck as a passenger, that can be considered work-related. In addition, if someone is attending a company party or other social event sponsored by their employer and gets hurt during such a function, it can also qualify as a work-related injury.
In some instances, injuries that occur as a result of horseplay in the workplace can be covered by workers’ compensation insurance. Generally, these rules vary depending on the state, even when there are workplace safety rules publicly posted in the workplace but largely go disregarded.
If an employee is injured during their lunch break while in the company kitchen or cafeteria, it can be considered an on-the-job injury. Although most laws state that when alcohol is involved at the time a worker suffers an injury, workers’ compensation can cover an injury with alcohol related if the injury occurred at a company party or other function.
Mental or psychological injuries are also covered if they are sustained during the course of the job or caused by it. Preexisting conditions that worsen during the individual’s employment are also covered.
It’s important to know that you can receive work injury compensation if you have a legitimate claim for an injury or illness you suffered while on the job. Always know your rights and speak to an attorney for help and more information.