What types of incidents are and are not covered by workers’ compensation insurance?

When you are injured while on the job there are many important questions that need to be answered, such as what caused the accident. It is important to answer these types of questions because not all types of injuries are covered by worker’s compensation.

Workers’ compensation insurance is designed to cover injuries that result from employees’ or employers’ carelessness. The range of injuries and situations covered is broad, but there are limits. States can impose drug and alcohol testing on the injured employee, and can deny the employee workers’ compensation benefits if such tests show the employee was under the influence at the time of the injury. Compensation may also be denied if the injuries were self-inflicted; where the employee was violating a law or company policy; and where the employee was not on the job at the time of the injury. Thus, it is important that you determine how the incident occurred and if there are any factors that could effect whether you can collect from the Worker’s Compensation Program.

If you have been injured and are receiving workman’s compensation, please do not hesitate to contact the Northland Injury Law firm for a free consultation at 816-400-4878. An attorney experienced in the field of worker’s compensation law will be ready to advise you of your options and counsel you through this difficult time.