Workers compensation is essential insurance for any business. Nonetheless, just because your employer provides you with workers compensation does not mean that you are aware of what is covered by this form of insurance. And by not knowing what you can be compensated for, you can have your claim rejected or you could not end up receiving compensation. Thus, it is crucial for every employee, no matter what industry they are in, to know what is covered by the workers' compensation. The following article outlines a few of the types of injuries that would make you eligible for workers compensation.
Injuries resulting from repetitive movements.
A good number of work-related injuries tend to stem from the strain acquired due to repetitive movements. Repetitive motion may not be avoidable in your line of work, but over time, it can cause debilitating pain. If not addressed, the injury could also lead you to be out of commission as your body recuperates. A few of the types of disorders that are associated with this type of injury include tendonitis, muscle strain, carpal tunnel syndrome and so on. Take note that injuries caused by repetitive motion are not limited to blue-collar jobs. Any industry can put you at risk of this condition, as long as you are over-using one muscle group repetitively throughout your workday.
Injuries resulting from occupational hazards.
From the manufacturing industries to the health industry, several jobs will be characterised by occupational hazards. For instance, in the medical field, you could be prone to acquiring diseases because you are constantly exposed to them. If you do become afflicted, then your workers' compensation should come into play. On the other hand, if you are in the construction industry and you become exposed to asbestos, any subsequent ailments make you eligible for workers compensation.
Injuries resulting from excessive stress.
Undeniably, there has been an increasing spotlight on mental health over the years. No longer is mental health a taboo to discuss as suicide rates keep going on the rise. Thus, it is unsurprising to find that workers compensation will also serve to compensate employees that are developing conditions due to the high-stress levels of their job. However, it should be noted that to qualify for compensation for stress-related health conditions, you will need to prove that the stress of your work has manifested into a physical problem. For instance, suffering a heart attack due to high stress can mean you are eligible to have your subsequent medical costs covered by insurance.Share
19 September 2018
When a customer launched legal action against my business, I was really worried that I wouldn't be able to afford any compensation I needed to pay. Thankfully, my brother had helped me to find some great commercial insurance. When the judge awarded damages and ordered me to pay a large sum of money, my insurance policy covered this. I was so happy. If I hadn't had commercial insurance, my entire business might have failed. I hope that the articles I have posted on this blog will help you to understand the many benefits of taking out a commercial insurance policy.