If you get hurt at work or develop a chronic illness because of certain job duties, you may be entitled to workers’ compensation benefits. In Hawaii, companies with at least one employee are required to purchase this coverage. If an employee develops a qualifying condition, this coverage will provide funds for medical expenses and a portion of any lost wages. Here’s a brief guide to the kinds of conditions that workers’ compensation typically covers.

Acute Injuries

If you’re hurt in a work-related accident, you should be able to collect benefits while you’re recovering. Workers’ compensation applies to acute injuries, such as sprains, strains, fractures, breaks, dislocations, and tears. The injury should be covered as long as it was sustained on the job and during normal work hours.

Occupational Diseases

Workers’ compensation also covers chronic conditions and diseases that develop gradually as a direct result of job duties. For example, those who work in loud factories are vulnerable to hearing loss, and individuals who type all day may eventually develop carpal tunnel syndrome. Fortunately, benefits are warranted in both scenarios. 

As long as an employee can prove beyond a reasonable doubt that their diagnosis is attributed to the conditions at work, they should be entitled to compensation. The most common occupational diseases that qualify for benefits include asthma, mesothelioma, tendonitis, and hand-arm vibration syndrome.

Injuries & Illnesses That Aren’t Covered

Although fault doesn’t typically affect claims, there are scenarios in which benefits can be denied. For example, if you sustained work injuries because you were under the influence of drugs or alcohol, the insurer will likely deny your claim. Injuries resulting from gross negligence, like ignoring industry safety standards, aren’t covered.

Additionally, you’re only covered when you’re on the clock. If you were hurt in a car accident when driving to or from work, you might have grounds for a personal injury suit, but you wouldn't be entitled to workers’ compensation benefits.

If you want to apply for workers’ compensation benefits, but your employer is, turn to Charles H. Brower and Associates in Honolulu, HI. This personal injury firm is led by Attorney Charles H. Brower, who has over 40 years of legal experience. The team provides individualized attention to every case and will strive to ensure you receive the compensation you’re entitled to. Learn more about their services online, or call (808) 526-2688 to schedule a consultation.