If you are hurt or get sick on the job, you could be eligible for workers’ compensation. The first requirement to get workers’ comp coverage is for the injury to have occurred at work, and this must be proven. Many injuries are straightforward and it is clear the injury occurred on the job, but some injuries are harder to prove.
Below are the work-related injuries that usually are eligible for workers’ compensation:
- Repetitive motion: Overuse or repetitive motion injuries can be very painful and debilitating. They are not caused only by using a keyboard or mouse all day. Factory workers, office workers, and others can develop repetitive motion injuries such as carpal tunnel syndrome, back pain, tendonitis and more.
- Occupational illness: These illnesses can range from black lung disease to mesothelioma to AIDS/HIV and many other.s But there needs to be strong evidence that the illness was caused by work.
- Pre-existing condition: If you have an old back injury aggravated by activity at work, this could be covered.
- Loss of hearing: Workers in noisy environments can lose their hearing, and this can be covered by workers’ comp.
- Stress-related injury: Some states allow you to get payment for stress-related injuries, but they can be hard to prove. PTSD can be covered in some states, but the event must have been something immediate and traumatic, such as a teacher dealing with a mass shooting.
- Stress from work-related physical injury: When a workers suffers a physical injury at work and develops an emotional or mental health problem afterward, this can be covered by workers’ compensation.
An interesting aspect of workers’ comp is that it is a no-fault system. Even if the employee was partially at fault for his injury, the fact that it occurred at work means it still can be covered 100% by worker’s compensation.