The U.S. Bureau of Labor Statistics reported 5,190 fatal work injuries in 2021. Most of these likely had coverage under workers’ compensation.
However, there are several types of incidents this employer-provided insurance does not cover.
Intentional injuries
Workers’ compensation helps when people get hurt at work because of accidents or unexpected things. But if someone hurts themselves on purpose or hurts someone else on purpose, they usually cannot get benefits. This rule is there to look out for people in case of accidents, not when they do something on purpose to hurt themselves or others.
Injuries outside the workplace
Workers’ compensation benefits typically extend to injuries that occur while performing work-related tasks. It typically does not cover accidents that happen during a worker’s commute to and from work. These injuries fall under the category of personal commuting and are outside the scope of employment.
Self-employed workers
Independent contractors, freelancers and self-employed individuals do not have coverage under workers’ compensation. This is because they are not employees of a company but rather separate business entities. Self-employed workers are responsible for obtaining their own insurance coverage.
Pre-existing conditions
Workers’ compensation covers injuries and illnesses directly related to work-related tasks. If job duties aggravate or worsen a pre-existing condition, the worker may be eligible for benefits.
Injuries from violating company policy
Employees who suffer an injury while violating company policies, such as engaging in unauthorized activities or being under the influence of drugs or alcohol, will likely receive a denial for their workers’ compensation claim. Employees must follow workplace rules to ensure their safety.
Workers’ compensation provides essential support for workers. Knowing what workers’ compensation does not cover can help employees make informed decisions about their safety, well-being and financial security in the event of a workplace accident.
