Workers’ compensation insurance covers employees for injuries and illnesses sustained in the course and scope of employment, including:
- Medical Bills
- Disability Payments
- Rehabilitation and Recovery Costs
- Partial Missed Wages
- Funeral Costs and Survivor Benefits
- Employer’s Legal Defense Fees and Settlements/Judgments
Workers’ compensation insurance does not cover every workplace injury. Coverage may be denied if any of the following apply to the injury:
- Originated outside the workplace
- Self-inflicted
- Resulted from a fight started by the employee
- Related to a felony
- Claimed after an employee is terminated or laid off
- Caused while the employee was under the influence of drugs or alcohol