According to the Bureau of Labor Statistics, approximately 2.8 million nonfatal work injuries and illnesses were reported by U.S. employers in the most recent year surveyed. Most employees who suffer harm while performing their job duties are entitled to workers’ compensation benefits to help pay for medical expenses and lost wages. However, there are some exceptions. As such, it’s important to understand which injuries and illnesses are covered by workers’ compensation insurance. Here’s an overview of what’s considered compensable.

How to Know if a Workers’ Compensation Claim Is Valid 

What Defines a Work-Related Injury? 

Workers’ compensation is designed to cover injuries and illnesses that occur within the scope of employment. This refers to any activities an employee can reasonably be expected to perform as part of their job. It applies to acute injuries that happen as the result of a specific event, such as a slip and fall, and chronic injuries that develop over time due to repetitive strain. Illnesses are also covered if they arise from hazardous work conditions, including hearing loss from loud machinery and mesothelioma from asbestos exposure. Additionally, benefits can be collected for injuries that take place at a company-sponsored event, during business travel, or when running employer-requested errands.

Industries Most Affected by Workplace Accidents 

Some industries are naturally more prone to work injuries than others. For instance, healthcare professionals frequently experience sprains, strains, and tears, and HVAC technicians are vulnerable to chemical burns. Construction workers have a higher chance of experiencing falls, while factory workers are at risk of musculoskeletal disorders. 

When Injuries Are Not Covered 

There’s often confusion as to when an injury may not be deemed a work injury, and therefore, not eligible to receive workers’ compensation. Typically, employees are unable to receive benefits if they were under the influence of drugs or alcohol, committing a crime, engaging in behavior that violates company policies, or not performing work duties at the time of the incident. For example, getting hurt while commuting to work, eating lunch off-site, or fighting with another employee isn’t likely to warrant compensable claims. Self-inflicted injuries are also excluded, and pre-existing conditions will only be compensated if they’re aggravated by the requirements of the injured individual’s current job.

If you believe you have a valid workers’ compensation claim after suffering a work injury or illness, don’t hesitate to contact the Law Office Of TJ Morelli-Wolfe PC in Norwich, CT. If there are any disputes over your injury being job-related, Attorney Morelli-Wolfe will provide compelling evidence on your behalf and fight for your right to maximum benefits. Backed by more than 20 years of experience, he can ensure your claim is filed correctly and within the statute of limitations to avoid delays or a possible denial. Call (860) 859-9899 to schedule a consultation, or visit him online for more information on his legal experience.