78% of working people live check to check. That means getting injured at work throws a monkey wrench into their finances. The worse part is if that injury costs them their job.
There are some work-related injuries that aren’t covered by workers compensation.
Workers compensation provides medical coverage in the event of an on-the-job injury. That saves you the financial headache of paying fees for doctor’s visits, treatment, and prescriptions. Supplemental wages through disability payments become available as well.
A part of your pay gets replaced while you’re recovering from an injury. And in the event of death, your spouse and family receive death benefits. Workers comp covers the burial as well.
Are you concerned about what work-related injuries aren’t covered by workers comp? Find out here what’s covered if you get hurt on the job.
Again, the process differs by state. Speak with your employers about the intricate details.
What Work-Related Injuries Get Covered
Workers comp does not cover all injuries and illnesses. You need to know this before you file.
Workers comp does cover repetitive motion injuries from manual labor. It also covers illnesses like diseases resulting from working conditions.
It doesn’t cover injuries unrelated to the work you do. For example, if you clock out and commute for lunch and an injury happens. The insurance won’t cover this. Horseplay that results in your own injury doesn’t give you a right to claim either.
When it comes down to emotional and mental stress injuries, things get tricky. Everyone experiences a certain amount of stress, so many mental health claims go uncovered.