American Eagle Insurance Blog
Any employee who is injured or who gets ill in connection with his job may be able to benefit from workers’ compensation insurance. Injuries covered by workers’ compensation benefits may not include sudden accidents such as falling off a ladder or losing a limb or a finger during the operation of a machine. In fact, cumulative trauma, or CT, injuries make up the majority of workers’ comp claims. What are generally the injuries and illnesses covered by workers’ comp insurance?
Repetitive Strain or Stress Injuries
Injuries that involve repetitive motion and overuse are both painful and destructive. They may result from a range of activities such as keyboarding or using the computer mouse all day long for many days. Carpal tunnel syndrome may result from those that perform repetitive physical tasks over and over in their jobs. Factory workers, health aides, graphic designers, and coders all develop carpal tunnel syndrome, back pain, tendonitis, and other conditions. Those who do may claim for workers' compensation benefits.
Workers’ comp insurance can benefit those with hearing loss acquired from working in extremely noisy environments. These places include manufacturing plants, factories, construction sites, and refineries. People working near noisy machines may develop hearing loss over time. Workers’ comp will usually cover hearing loss.
Although some states may not recognize claims for illnesses due to emotional work stress, workers’ comp generally covers injuries related to stress that result from overexertion in one’s job, such as heart disease. Also, the coverage includes post-traumatic stress disorder, or stress-related fatigue or psychological condition. Stress coming from accidents, robberies, and other stressful events should also be covered by workers’ comp insurance such as a mass shooting in a school where one teaches or a recent robbery at the store where one works as a clerk.
Stress Coming From Physical Injuries Related to Work
Sleep disorders, anxiety, and depression are some of the conditions that can be compensated by workers’ comp insurance. This means that an employee deserves to get financial assistance for his treatment of these disorders.
Some Final Words
In most cases, workers' comp benefits do not distinguish between injuries and illnesses that arise from workers' fault or from work itself. In some cases, if it is the employer's fault like giving alcohol to workers, then what results from it should be compensated by workers' comp insurance. However, injuries inflicted when the worker was drunk or drugged are an exception. If an employee dies in the job, there is also a great possibility that eligible dependents can collect workers' comp benefits and death benefits.
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