Most of us never consider which injuries might be covered by workers’ compensation until the day we need these vital benefits. Workers are often afraid that if an accident was their fault, their injuries might not be covered by workers’ compensation insurance. Fortunately, the workers’ compensation system is not based on fault, which means even if you were a little careless at work, your injuries might still be covered.
Injuries Not Covered by Workers’ Compensation
Although the workers’ compensation system is not fault-based, there are some exceptions to the rule.
Here are some of the situations in which your injuries might not be covered by workers’ compensation:
- Commuting to work: If you were driving a company car and taking care of a work errand when you were injured, it is likely those injuries would be covered by workers’ compensation insurance. However, if you were commuting to work at a fixed site and got injured in an accident, workers’ compensation would not cover your injuries.
- Voluntary activities: It is not uncommon for employers to host or sponsor recreational activities for their employees, such as picnics or a happy hour. If attendance to the event was mandatory and an employee sustained an injury, it would likely be covered. If attendance was voluntary and solely for the benefit of the employee, injuries sustained would not be covered by workers’ compensation.
- Substance abuse: If you were injured at work because you were drinking or under the influence of recreational drugs, there is a strong chance you would be denied workers’ compensation benefits. If you can prove the accident would have happened regardless of your intoxication levels, you might still be able to receive benefits.
- Horseplay: If you were injured while engaging in horseplay or playing a practical joke, workers’ compensation might not cover these injuries. If your employer has a history of tolerating horseplay, however, your injuries might be covered.
Do not assume your injuries are not covered by worker’s compensation insurance until you have a chance to speak with an experienced attorney about the details of your case. Workers’ compensation is a complicated area of law and the last thing you want is to miss out on these important benefits because you did not believe you were eligible for them.
Speak to a Knowledgeable Workers’ Compensation Attorney Today!
If you were injured at work, you need an experienced attorney on your side to fight on your behalf for the benefits you are entitled to. At Price, Petho & Anderson P.L.L.C., our workers compensation attorneys have the insight and knowledge that will make a difference in your claim, so you can comfortably recover from your workplace injuries. Our law firm has been representing injured workers since 1979 and is backed by a proven history of success, so you can feel confident in our ability to assist you.