What Type of Injuries are Not Covered by Workers' Comp?
Workers' compensation insurance is a state-mandated program which is also known as workers’ comp. If the worker gets injured in the workplace, then he or she can get the workers’ comp to cover the losses. Employers are compelled to provide such insurance coverage to their employees. The workers’ comp may vary a little in every state. But keep in mind that you cannot get the compensation under specific circumstances.
However, here, we have shared which types of injuries are not covered by workers’ comp. If you face injury while working, then you should contact an experienced lawyer as soon as possible.
What Injuries Are Not Covered?
If you start a fight and get injured
An incident that arose out of an act of God
If you suffer from influenza or headaches
If an injury occurs due to an employee’s horseplay.
Suffer from very common disease of life
When repetitious mental trauma cause injuries
Employees who suffer a heart attack
If you attempt to injure oneself willingly.
If you can treat the injuries with basic first aid, including scrapes and cuts
If the employee was not on the job and got an injury
If the employee gets injured while violating the company policy.
What Should You Do?
First of all, you should check the handbook if there is any applicable reporting rule to workplace injuries. Otherwise, you may face problems because of delaying the report. You have to mention the following information in the report,
Your contact information and name
The date, time and place of the injury
The name of the in-charge supervisor when you were injured.
The severity and type of the injury.
You should also consult with a workers’ comp attorney in order to decide if you can get the compensation for your loss. The expert also will help you to file the claim and fight the case for you.
A Few Exceptions That You Should Be Aware
You may wonder that if an employee gets injured during work breaks, will that count. According to Oklahoma Law, the in-charge has to authorize the break and injury must occur inside the facility of an employer. Therefore, if the workers are injured in another place, then the person may not be able to file the claim. Moreover, if any employees are injured due to drugs or alcohol, then the workers’ comp cannot cover their injury.
Types of Expenses That Workers' Compensation Insurance Cover
Replacement income
Costs for retraining
Rehabilitation expenses
Medical care cost
Compensation for any type of permanent injuries
Consult With the Attorney
If you have any doubt and there are many questions that come to your mind, then do not hesitate to ask questions. You can also contact Foshee and Yaffee Attorneys at Law directly in OKC. Their experienced lawyers will help you to find a way in these problematic situations.
**Disclaimer: This content is not to be construed as legal advice nor does it establish terms of a client-attorney relationship.