Are You Aware Of The Injuries Not Covered By Workers’ Compensation?


A workers’ compensation is a program that benefits workers that experienced work related injuries. But take note that not all injuries are in included. However, let us tackle the things and points on how a workers’ compensation function and the injuries that are not covered by this program. Workers’ Compensation (sometimes called workers comp or workman’s comp) is an insurance that an employer is required by law to carry in case an employee is injured on the job, becomes ill due to circumstances surrounding their job, becomes temporarily or permanently disabled, or even if death results from their job.

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It is your right as an employee to receive medical treatment at the employer’s expense as long as treatment is reasonable and necessary to treat the injury. You are also entitled to receive wage loss benefits while you are unable to return to work, and for permanent disability. If you were injured during the course of your employment, you can benefit from a form insurance called workers’ compensation. A workers’ compensation gives medical treatment, salary replacement and and of course permanent disability compensation to an employee who suffered job-related injuries or illness, and to give death benefits to their dependents who have died during their employment.

Somehow workers’ compensation benefits may be denied in some states when an injury is caused by an employee’s actions like being drunk or drug usage and a self-inflicted workplace injury probably won’t be covered. If a worker has done a serious crime or violating company policy, he or she may not be able to redeem benefits. Workers can also claim compensation for illnesses that are the result of work such as stress-related digestive problems or chronic injuries and other repetitive stress injuries.  As a rule, workers compensation will not give benefits to an injury that is based upon mental or nervous injury due to stress, fright, or excitement alone. In order to receive any compensation for mental or nervous injuries, not only does the extent of the mental or nervous injury be proven, but it must be demonstrated that the cause of the mental or nervous injury was based upon an actual physical trauma.

Workers compensation does not recognize a work related condition that causes an employee to have fear or dislike for another individual because of the individual’s race, color, religion, sex, national origin, age, or handicap as a compensable work related injury and will not provide benefits for that type of claim. Looking deep to a workman’s comp claim, we must understand that each state sets their laws, policies and procedures for administering workers’ compensation claims within its boundaries, for example that you are a small business employer, you need to know what your responsibilities and rights are under the law. Most states allow an employer to dispute or contest a workers’ compensation claim, but each state has its own procedures.

If you do ever have work related injuries and want to have workers’ compensation claim, a good lawyer can help you out with everything there is for your problem. There are a lot of very good lawyers that are professionally capable in solving your case. Injuries in a workplace needs to be compensated but be sure that there should be correct grounds for a claim.


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