If you’ve been injured at work, or develop some sort of medical condition as a result of the workplace, you might wonder if you can be compensated under workers comp. These laws vary from one state to the next, which is why it’s important to understand the specific local work compensation laws that govern employees when they are injured in the workplace or become ill as a result of workplace activities.
Type of Employment
Employees who receive regular pay from a specific employer are almost always covered by workers’ compensation. However, it’s important to note that not all workers necessarily are considered ‘employees’. Independent contractors, for instance, are not covered by workers’ compensation, nor are partners or owners of a business.
Since volunteers do not receive a paycheck, they are not considered employees, and are therefore not covered. However, such individuals might still be covered by their own personal health insurance for injuries experienced while volunteering.
You May Not Be Covered If . . .
Work-related injuries that happen as a result of an accident in the workplace may successfully file a workers’ compensation claim.
To be considered, an incident must have happened within the course of employment, including accidents that happen during lunch breaks or while driving for work. Injuries that are caused by fighting or fooling around at work may or may not be covered – this all depends on the specific circumstances.
If you feel that you have a workers’ compensation claim, be sure to report your injury, or illness to your employer as soon as possible.