Injuries at work can lead to disastrous impacts on a person’s personal life and professional life. Depending on the severity of the issue, there is a chance that the individual can’t return to work right away. Between this and the incoming medical bills, this can lead to dire straits. This is where workers’ compensation coverage might prove beneficial.
One question that many people have about workers’ compensation is whether the injuries are compensable. There are a few different factors that come into the picture:
Must be work related
The tasks you were doing when you were injured must be related to work or while you were on the clock. You can’t claim workers’ compensation benefits for an injury that occurred at home while you weren’t working for your employer.
It is possible that you can receive workers’ compensation for an injury that occurs at a work function. An example of this would be if you were involved in an accident at a restaurant while you were having dinner with clients. The same is true at a celebratory dinner for something that happened at work.
Injuries and illnesses
Many people think that only injuries are compensable under workers’ compensation. This isn’t the case. You can be compensated for injuries and illnesses. Even cumulative trauma injuries like carpal tunnel syndrome are compensable under workers’ compensation. The key is that you have to be able to tie in your medical issue to work.
There are some individuals who can obtain benefits for mental health issues. First responders, for example, might be able to get workers’ compensation for post-traumatic stress disorder due to the nature of their work.
Even some pre-existing conditions can qualify. In these cases, you must show that the issue has been made worse by the conditions at work or the duties you have to do. This can be challenging but it might come down to having a doctor clearly state what conditions caused the issue and note that you need avoid those actions in the future.
Appeals might be necessary
There are specific conditions that must be present when you seek the benefits of this program. Once you apply, you will receive a determination letter. If you don’t think that you are getting the benefits that you are entitled to, you may need to appeal. Read the notices you get carefully because they will give you deadlines and let you know what you need to do if you don’t agree with certain aspects of your case.