What Types of Injuries are Not Covered By Workers’ Compensation?

Workers’ Compensation can be a highly complex, and at times confusing world to navigate. Injuries that are covered typically fall under a wide umbrella and are defined as happening through the scope of your employment. This is a broad definition, and while workers’ compensation covers a wide array of injuries, there are certain types of injuries and situations where it is not applicable.

Injuries Sustained Outside Work

Any injury that occurs outside work and not during working hours will not be covered under workers’ compensation, even if the injury prevents or limits you from doing your job. Any injuries sustained during your commute are also not covered under workers’ compensation.

Minor Injuries That Can be Treated with Basic First Aid

Any minor injury, such as a bruise, scrape, or cut that causes no significant or lasting damage and can be adequately treated with simple first aid kits are not cause for workers’ compensation.

Negligent or Intentional Injuries

Purposely trying to injure yourself, intentionally disobeying safety rules, or being injured while taking part in activities that are not part of your job description are not issues covered under workers’ compensation. Performing any action outside of the scope of your work can negate you from being covered under workers’ compensation. If you have any questions pertaining to this, we recommend checking in with your employer about your specific job duties.

Injuries Sustained While Committing a Crime

Any injury sustained at work while committing a crime, regardless of the crime, will absolutely not be covered under workers’ compensation.

Recreational and Social Work Activities

In some workplaces, recreational leagues and activities may take place with colleagues and others. If you are injured while participating in these off-the-clock activities, your company will not be at fault, even if they occur on work premises. Anything that is a voluntary act, and not required by your employer, will not be covered by workers’ compensation.

Employment Status

It’s incredibly important to be aware of your current job position, and whether you are classified as full-time, part-time, or an independent contractor. Your employers’ obligations for workers’ compensation will differ by employee definitions. When starting a job, or if you are unsure about your current situation, speak with your employer to define your status.

Workers’ compensation is designed to protect employees from unforeseen injuries that might incur while simply doing their job. While workers’ compensation covers a vast number of accidents and injuries, there are exceptions to what it will cover. If you’ve been injured on the job, it’s important to understand your rights. Contact our team today to learn more, or visit our website to request your free initial consultation today!