What Types of Injuries are Covered by Workers Compensation?

Posted on behalf of Henness & Haight on Oct 15, 2015 in Workers' Compensation News

If you get sick, hurt or die on the job, workers compensation injury coverage protects both you and your loved ones from the costs of medical and other expenses, and can even cover existing issues that are aggravated due to workplace conditions. It's important to understand what kinds of injuries are covered and the extent of the coverage so you get the compensation you deserve if you are hurt at work.

Work-Related Injuries

In general, a "work-related injury" is any injury that is connected in any way with your job. So long as the injury occurs during the course of your employment, you should be covered by this insurance which all employers have to carry. Even if you are traveling to a client's site and get injured, this is still an employment-related injury.

There have been some exceptions, but most of these are common-sense related and it will be up to the insurance company and your personal injury attorney to hash these out. Never assume that your work-related injury is not covered.

A No-Fault System

In general, workers compensation laws operate on a no-fault system. This means that it does not matter if the worker's injury was caused by carelessness on the part of the worker or negligence on the part of the employer. It is, however, important to have proper representation to ensure that your employer does not try to fight your claim based on your own activities on the job. Many insurance companies will try to bully or pressure you into accepting lower payouts or absolving the workplace of responsibility altogether. Only a qualified personal injury attorney can fight these tactics and make sure you get the compensation to which you are entitled under workers compensation injury coverage.

Covered Injuries

There are a lot of myths out there about what injuries are and are not covered by workers compensation. Here are some examples:

  • Repetitive Motion Injuries like carpel tunnel are covered under workers comp
  • Stress-Related Injuries can result from sudden events or long term conditions. These are also covered under workers comp.
  • Occupational Illnesses that are contracted during work, such as those from asbestos exposure, heart attacks, hernias and other ailments resulting from work-related factors can be subject to workers comp insurance
  • The Death of a Worker can see that worker's spouse, children or other family members compensated for the loss, to ensure that they remain financially stable and to help with emotional damages.

Qualified Attorneys

Insurance companies are rarely eager to pay out when a claim is submitted. They will try all sorts of tactics to fight the claim and strong arm victims into giving up their rights. It is vital, given the complexities of personal injury law, for victims to secure the services of a qualified Las Vegas personal injury attorney.

A good workers compensation attorney will ensure you have someone who knows the law to fight for your rights and make sure you get the workers compensation injury coverage you deserve. Have a look at our workers compensation information and give us a call for a consult today!