Workplace injuries are an unfortunate commonality. If you’re injured a work, you should be able to file an insurance claim with your employer’s insurer in order to receive compensation for the injury and any lost income it may cause. Workers Compensation Quote
But not all injuries are covered under this insurance. When an employee files for workers compensation, an underwriter from the employer’s insurance company will investigate the claim. They will be looking for specific key factors to decide how much, if any, compensation the employee will receive.
Injuries at the Employee’s Fault
The underwriter will look for any reason to believe that the injury was caused by the employee. Intended self-harm will not be covered by workers compensation. Employee injuries will not be covered if they’re caused by:
• The employee starting a fight with a coworker
• The employee(s) roughhousing
• The employee operating under the influence of drugs or alcohol
If the circumstances are similar to any of the above, your workers compensation claim may be denied.
Injuries that Occur Offsite
Injuries that occur away from work are generally not covered except in special circumstances. If you are offsite but still performing work-related duties, such as construction workers operating on a different site, you should be covered. If you are simply out to lunch or on a personal errand and suffer injury outside of the office, however, you may not be covered.
Also be careful when operating a business-owned vehicle. Check with your employer to make sure they have a commercial auto insurance policy to supplement any injuries or damage you may obtain while driving.
Preexisting conditions can be complicated when it comes to workers compensation. Most of the time, workers compensation will not cover injuries caused by preexisting conditions unless the preexisting condition is made worse by the job. This is a fickle thing, however. If the work injury can be blamed solely on a preexisting condition, your claim may be denied.
Many employees don’t realize this, but timing is incredibly important when it comes to workers compensation. If you wait too long to seek medical attention or file a claim, you may be denied. Failing to seek immediate medical attention can be used as belief that the injury is (or was) not serious enough to warrant leave from work or receive workers compensation. Seek medical attention and file a claim immediately after an injury.