Not all work situations are covered by workers' compensation insurance. If your accident or illness falls into the guidelines, you can be paid for your medical bills and a partial disability salary while you remain at home and get better. Some situations fall into a gray area and many workers are unjustifiably denied their benefits. Read on and get a better idea of what is covered and what may not be covered when dealing with a work accident.
What Is Usually Covered?
- Accidents and illnesses that are the result of work or related to work in some way.
- Accidents or illnesses that happen when the worker is traveling for work reasons. Anything from a work picnic or a training session across town to an overnight work conference is covered.
- Preexisting conditions that were worsened by work conditions.
- Gradual injuries caused by repetitive actions, like carpal tunnel syndrome, back strains, sick building syndrome, etc.
What May Not Be Covered by Insurance
The below issues may or may not be covered. Since workers' compensation laws vary state by state, speak to a workers' comp lawyer if you are turned down for benefits based on any of the below situations:
- You were breaking safety rules or other company rules when the accident occurred.
- You were found to have been under the influence of alcohol or drugs at the time of the incident.
- You were involved in an incident with a coworker for personal reasons that did not directly involve the employer.
- The accident was the result of a purposeful act, such as a suicide attempt.
- The accident was caused by faulty machines or products that were the responsibility of a third party.
- You were employed as a temporary or contract worker at the time of the incident.
- You were already out of work on medical leave when the accident happened.
How to Take Action
Many of the above issues may not be legitimate reasons for denying a claim. For example, a workers' compensation lawyer could challenge allegations of being under the influence of a substance while at work. Many workers are prescribed medications that don't affect their ability to be safe at work. Workers can be accused of horseplay, breaking the rules, and more. That is why workers who are denied their benefits should see a workers' compensation lawyer. Find out what can be done to fight against a wrongful denial of benefits.
Contact a local law firm, such as Workers Comp Lawyer, PC, to learn more.
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