Workers' Compensation covers injuries to, or loss of, limbs, repetitive motion injuries, work site accidents, medical treatment, lost wages (up to certain limits), death, and liability insurance for the company for lawsuits filed by injured employees. It also covers rehabilitation for injured workers so they can return to work.
While workers’ compensation covers many on-the-job injuries, it does not cover the following:
- Injuries suffered while an employee is intoxicated or using illegal drugs.
- Injuries caused by a worker who starts a fight.
- Injuries suffered while a worker was committing a serious crime.
- Injuries suffered while an employee was not on the job.
- Injuries suffered when an employee’s conduct violates company policy.
- Willful attempt to injure oneself or another.
- Employees who suffer a heart attack.
- Injuries from repetitious mental trauma.
- Contracting ordinary disease of life.
- Injuries suffered during participation in off-duty recreational activity.
- An incident that arose out of an act of God.
- Employee’s horseplay that produces or causes an injury.