What injuries are covered?
The types of injuries covered under workers' compensation insurance are called "compensable injuries." A compensable injury is an injury that arises out of and in the course and scope of employment. Course and scope of employment means an activity that has to do with and originates in the work, business, trade or profession of the employer and is performed by an employee while engaged in or about the furtherance of the affairs or business of the employer.
Injury is defined as damage or harm to the physical structure of the body and those diseases or infections naturally resulting from the damage or harm. Injury also includes occupational diseases. Occupational Diseases is a disease that arises from work-related infection or disease that arises out of the course and scope of employment.
What injury is NOT covered?
Injuries not covered by Workers' Compensation Insurance may include:
- Injuries sustained while the employee is intoxicated
- Injuries sustained due to an employee's willful intention and attempt to injure him/herself or another person
- Injuries sustained due to employee's improper conduct
- Injuries sustained due to that of a third person intending to injure the employee because of personal reasons
- Injuries sustained due to an employee's voluntary participation in an off-duty recreational, social or athletic activity aside from employee's work-related duties
- Injuries sustained due to an act of God, unless the employment exposes the employee to a greater risk than ordinarily applies to the general public
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