Things That Qualify
1. Repetitive motor injuries.
Repetitive motion injuries are one of the most common sources of workers comp claims. Repetitive motion injuries such as carpal tunnel syndrome occur from repeated stress and strain put on a specific part of your body over a long period of time. Everyone is susceptible to injuries such as these, even if their job is typically thought of as low risk. Depending on the severity they can also be quite debilitating.
2. Occupational illnesses
An occupational illness is a disease that develops due to something you were exposed to in the workplace. For example: someone who works in a laboratory that's exposed to chemicals or fumes could develop a debilitating illness and that would definitely be covered by workers comp. Another good example is a firefighter who is exposed to asbestos and develops mesothelioma.
3. Job-related stress
These days stress and all of the related maladies that come with it can be covered by workers comp assuming the stress is brought on by your job. Laws vary from state to state on what constitutes a stress-related illness, however. You also have to prove that your illness or injury resulted from that job-related stress which isn't always an easy task.
Things That Don't Qualify
1. Injuries that occur commuting to work
When you commute you are not considered to be in the scope of employment. That means anything that occurs during your commute would not be covered by workers comp including accidents and road rage related injuries. This also applies to your breaks. If you were out on a lunch break and somehow injured yourself coming back to work, you would not be covered.
2. Injuries that result from common public risks
Legally workers compensation doesn't have to cover injury or illness that is considered a common public risk, though it is rare to see this in practice. If you catch the Flu while on the job, for example, that's not exactly a reason to file a workers comp claim (although there is some debate over this.) If your job sends you to an area where there are dangerous endemic diseases and you catch one, however, that might be a different story.
In practice workers compensation is pretty broad. Most injuries that occur at the workplace are considered compensable. Even injuries that are idiopathic, where an exact cause can't be determined, are usually covered by workers comp. That's all the more reason to have your workers compensation policies in order. You need to be able to work through these claims as efficiently as possible.
At Summerlin-Roberts we will work with you to implement a workers compensation policy that resolves workplace injuries quickly and avoids unnecessary litigation. Please contact us today to find out more about our workers compensation options.