In the United States, workers' compensation is a system that provides benefits to employees who are injured or become ill due to their job. In most cases, workers' compensation claims are filed to receive financial assistance for medical expenses and lost wages. There are many reasons workers may file a claim, but some of the most common include.
1. Slips and Falls
According to the National Floor Safety Institute slips and falls are the most common reason workers file a worker's compensation claim, which can be due to a myriad of circumstances. Some examples could include; wet floors, poorly placed objects, broken equipment/appliances, and defective stairs. This type of claim can result in an injured worker receiving compensation for medical expenses such as treatment, hospitalization, and physical therapy.
2. Work-Related Illness
Many types of illnesses can occur due to the work environment. It's important to remember that these conditions were brought about by the employment situation, which means they are compensable. Examples could include; incorrect or high levels of exposure to chemicals, dust, fumes, excessive heat/cold, harmful radiation, etc. There are many other types of illnesses that can arise due to the work environment, and it's important to take note of these, especially if you begin witnessing their appearances among your coworkers.
3. Misuse/Overuse Injuries
This type of injury can include several different things, but they are all related to the repetitive way a worker performs their job duties. Some examples of these injuries could be; carpal tunnel syndrome, tendinitis, tendinosis, etc. This type of injury is commonly seen among those who work in an office setting doing data entry or working on computers and performing similar tasks.
4. Improper, Dangerous, or Defective Tools/Equipment
This type of claim may be filed when a worker is injured while using tools or equipment that either put them at an increased risk for injury, was defective in some way (broken, malfunctioned), or it was simply not suited to the task, and the worker should not have been using it.
5. Assault
Assault claims are a type of personal injury claim that arises when a worker is harmed by an individual while on the job or at work. This can have devastating effects on both personal and professional levels. In terms of the personal impact, it is important to acknowledge that being physically injured can be emotionally distressing and may cause feelings of anger, fear, frustration, and other similar emotions. Professionally, many employers have strict rules against employees being involved in any sort of personal altercations for various reasons, including insurance liability.
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