Covered Injuries

Workers’ compensation laws apply to accidental, personal injuries arising out of or in the course of employment. Coverage includes mental and emotional and physical injuries. The issue of occupational diseases—medical conditions that are not the result of one traumatic incident—are also often covered.

One of the more frequently contested areas is whether an accident occurred in or arose out of the course of employment. Having an injury occur at work does not necessarily mean it is covered. If it occurred away from work, that does not necessarily mean that it is not covered. The key to determining coverage is whether the injury has a causal connection with the employee’s employment or is reasonably incidental to it.

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There are five categories of benefits:

· medical benefits

· temporary total disability

· permanent partial disability

· permanent total disability

· death


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