If you’re injured at work, you might be eligible for workers’ compensation benefits. However, not every injury qualifies. Understanding what types of injuries are covered can help you determine if you should file a claim.
Injuries from workplace accidents
Workers’ comp typically covers injuries that happen due to accidents on the job. These include falls, equipment malfunctions, or getting hit by objects. If the injury happened while performing work duties, it’s likely covered. For example, if you slip on a wet floor at work and break your arm, you can file a claim.
Repetitive stress injuries
Some injuries develop over time rather than from a single accident. Repetitive stress injuries (RSIs), like carpal tunnel syndrome or back strain, often occur from repeated motions. If your job requires repetitive movements, like typing or heavy lifting, workers’ comp may cover treatment for these conditions.
Occupational illnesses
Workers’ comp also covers illnesses caused by workplace conditions. Exposure to harmful chemicals, loud noise, or poor air quality can lead to conditions like lung disease or hearing loss. If your job exposes you to hazardous environments, you may qualify for benefits.
Mental health conditions
In some cases, mental health issues related to work may be covered. Work-related stress, PTSD, or anxiety disorders can qualify if they result from traumatic workplace events. However, mental health claims can be harder to prove and often require medical documentation.
When injuries may not be covered
Not all injuries qualify for workers’ comp. If you were under the influence of drugs or alcohol, engaged in horseplay, or injured outside of work duties, workers’ compensation may deny your claim. Each case depends on the circumstances, so it’s important to report injuries right away and document how they happened.
