Workers’ compensation has often been a significant sign of relief for several injured workers who cannot afford to bear the expenses of the incident. The insurance provides financial and medical aid to injured employees.
The insurance is designed to help employees who got injured at work recover and get back to work. However, not all workplace injuries are covered under insurance. Most employees do not know the type of injuries and incidents uncovered by the insurance until they are hurt.
As an employee, you must be aware of the issues not covered by workers’ comp. You can also click here if you need legal assistance with workers’ compensation.
Issues not covered by the workers’ compensation:
The main issue that is not covered by workers’ compensation is self-inflicted injuries. If an employee intentionally injures themselves or causes an accident due to their own reckless or careless behavior, they are not eligible for workers’ compensation.
For example, if an employee fights with a co-worker and is injured. As a result, they would not be eligible for workers’ compensation.
Another issue not covered by workers’ compensation is injuries that occur while an employee engages in illegal activities. If an employee is injured while committing a crime, they are not eligible for workers’ compensation. It includes injuries that occur while an employee is under the influence of drugs or alcohol.
Additionally, workers’ comp does not cover injuries that occur while an employee is not on the clock. For example, if an employee is injured while commuting to or from work or on a lunch break, they are not eligible for workers’ compensation.
However, there are some exceptions to this rule. For example, an employee may be eligible for workers’ compensation if they are injured while participating in a company-sponsored event. Workers’ compensation does not cover some injuries due to the nature of the injury.
For instance, workers’ compensation does not cover injuries resulting from a pre-existing medical condition. In addition, injuries resulting from an employee’s personal choices, such as smoking or failing to follow safety guidelines, may not be covered.
It is important to note that workers’ compensation laws vary from state to state, so it is vital to understand the specific laws in your state. If you are unsure whether you are eligible for workers’ compensation, it is a good idea to speak with an attorney specializing in worker’s compensation law.