3 Types of Injuries Covered by Workers’ Compensation

Most states across the U.S. require employers to carry workers’ compensation coverage to cover the medical costs or lost wages associated with a work-place injury or illness. However, to get workers’ compensation benefits, your work-place illness or injury must result from your employer’s negligence or carelessness. In other words, you’ll not get benefits if your employer proves you violated safety policies, willfully misbehaved, acted in an incautious or careless manner, or you were roughhousing. Keeping this in mind, here are three types of injuries covered under workers’ compensation:

1. Occupational Hearing Loss

Over time, employees who regularly work in noisy environments such as heavy manufacturing industries and construction sites tend to develop noise-related hearing loss. Because of this, workers’ compensation coverage usually covers occupational hearing loss.

2. Stress-Related Injuries

Long-term exposure to work-place stress can cause a wide range of health problems, both psychological and physical. Consequently, many states now allow workers’ compensation claims for illnesses associated with work-related stress, such as post-traumatic stress disorder (PTSD), anxiety. However, to get workers’ comp benefits, you must establish your psychological condition developed because of a sudden and unusual traumatic event at work, such as a mass shooting incident at your work-place.
In general, it is extremely difficult to get workers’ comp benefits for stress-related injuries, with many states requiring claimants to produce strong evidence to support their claims. The state of California, for example, requires claimants to prove that their work-place environment was at least 51% responsible for their psychological injuries. Still, if you can build a solid case, you’ll likely get benefits.

3. Repetitive Motion and Overuse Injuries

With most work-places using computers, computer-related repetitive strain or stress injuries (RSIs) have become increasingly common. These injuries are typically painful and potentially debilitating. It is worth noting that RSIs are not exclusively computer-related injuries. Anybody that performs a repetitive physical task is at risk of sustaining such an injury. The most common types of RSI injuries include back pain, tendonitis, and carpal tunnel syndrome. Given the pervasive nature of these injuries, most workers’ compensation policies cover these injuries. However, some states have special limitations on workers’ compensation coverage claims.

These are just three types of injuries covered by workers’ compensation coverage. For assistance with all your insurance needs, contact the experts at Miller Carlisle Insurance Services.