Workers’ compensation law is very important to workers. It protects their rights when they are injured at the work place. When you are injured at while at your place of work or while doing things that are related to you job, you should be compensated for the suffering you are going through. However, it is very important to know the coverage of the workers’ compensation law before you decide to seek compensation. This is because there are instance when you will not be compensated even if you were injured at the workplace. Here are the top reasons why you may not be compensated when you are injured at the workplace:
1. Injuries that occur because of crime
If you were involved in a crime at the work place and then you end up being injured, you will not receive compensation for the injuries you sustained.
2. Injuries that occurred because of intoxication or the use of drugs
You should not go to your workplace while intoxicated or under the influence of drugs. Unfortunately, it not surprising that many people do go to work when intoxicated. According to attorney Jacob P. from Workers Comp SD, if you get injured at this state, you will not receive compensation from the insurance company. The state can order a drug test that is meant to prove whether you were under the influence of drugs or alcohol or not.
3. Self-inflicted injuries
If you hurt yourself deliberately, you will not be compensated for your injuries.
4. Pre-existing conditions
If you started working for given company with a pre-existing medical condition, you should not expect to be compensated for the suffering that you are going through because of the condition.
5. Injuries from violation of know company policies
Every company has policies that every workers is expected to adhere to. If you go against the policies and then you end up being hurt, you should not expect to be compensated by the insurance company. The insurance company will argue that if you did what was expected, you will not have been injured.
Here are the injuries that are covered by the workers compensation law:
1. Injuries that occur due to accidents at the workplace. For example, if fall and break your leg while working on the roof.
2. If you suffer from psychological injuries because of your work. For example, you may become anxious or depressed because of harsh working conditions.
3. If pre-existing conditions are exacerbated by your current work.
4. Conditions or injuries that develop over a long period of time.