3 Types of Injuries Covered By Workers' Compensation

Workers’ Compensation premium helps workers obtain income loss assistance when they get ill or injured at work. It’s also beneficial for the family members of the employee who has experienced a work-related mishap. The insurance covers employees (permanent and temporary workers) except independent contractors. As a worker, it’s necessary for you to consult your attorney to be aware of how your employer should treat you concerning the right premium that you should obtain. 
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Here are the essential types of work-related losses that a worker like you must keep in mind concerning your Workers’ Compensation Plan:

Repetitive Motion Injuries
Most workers use their wrists, hands, and forearms to do their daily activities at work. Repetitive motions can develop an injury over time such as typing or lifting heavy objects. One of the most common injuries that fall under this category is chronic back pain. Due to the demand of the job, if an employee suffers illness or injury, a lawsuit can be submitted against the employer. The premium should cover your medical treatment and weekly compensation benefits.

Occupational Illnesses
If your workplace will expose you to harmful chemicals that can affect your health, it’s necessary for your employer to provide you with the appropriate protection. Workers’ Comp plan should cover industrial injuries. Other health issues that should be part of the benefits are hearing loss due to noise exposure at work, asthma caused by hazardous substances, and many other diseases brought by several factors in the workplace.

Emotional / Mental Stress Injuries
This type of injury requires further investigation to qualify in the premium, but workers’ compensation insurance now covers it. Job-related stress can result in heart problems and cancers. To be entitled to the benefits, you must have encountered a sudden or traumatic experience while at the workplace, for example, caught in the middle of the fire in the office that caused you to develop stress-related mental issues.

Injuries Not Qualified for Workers’ Comp

• Employees who get injured due to fighting while at work. Misconduct will not be accepted to provide the benefits.
• Self-inflicted injuries, especially if the worker is intoxicated
• Being ill due to use of non-prescribed drugs

One More Thing Before You Go
Each year, many workers get injured or acquire medical issues while at work. As a worker, it is essential for you to secure your future by buying a Workers’ Compensation plan for peace of mind.

At Cornerstone Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (888) 661-8831. Get your free quote today by CLICKING HERE.