Worker's Compensation Insurance

Work-Related Injuries: Injuries sustained by employees while performing their job duties are generally covered. This includes accidents, such as slips, falls, and equipment-related injuries.

Occupational Illnesses: Diseases or health conditions that result from workplace exposures, such as exposure to hazardous chemicals, can be covered.

Medical Expenses: Coverage typically includes medical treatment, doctor visits, hospitalization, surgery, prescription medications, and rehabilitation services related to the covered injury or illness.

Lost Wages: If an employee is unable to work due to a covered injury or illness, workers’ compensation insurance provides wage replacement benefits to help compensate for lost income during the recovery period.

Disability Benefits: For employees with long-term or permanent disabilities resulting from a workplace injury, workers’ compensation can provide disability benefits.

Vocational Rehabilitation: Some policies include vocational rehabilitation services to help injured employees retrain or transition into new roles if they cannot return to their previous job due to a disability.

Death Benefits: In the unfortunate event of an employee’s death due to a work-related injury or illness, workers’ compensation can provide death benefits to the employee’s dependents or beneficiaries.

Injuries Outside of Work: Injuries or illnesses that occur outside of the scope of employment or while an employee is not engaged in work-related activities are typically not covered.

Intentional Self-Inflicted Injuries: Injuries intentionally self-inflicted by the employee, such as suicide attempts, are generally excluded.

Injuries Resulting from Misconduct: Injuries caused by an employee’s willful misconduct, violation of workplace safety rules, or while under the influence of drugs or alcohol may be excluded.

Independent Contractors: Independent contractors are usually not covered by workers’ compensation insurance, as they are not considered employees.

Certain Diseases: Some states and policies may have specific exclusions related to certain diseases, such as those that are primarily non-occupational or related to lifestyle choices.

Injuries During Commute: Injuries sustained during the daily commute to and from work are typically not covered, although there can be exceptions for employees who travel as part of their job duties.