What types of injuries are covered by workers compensation?

Workers’ compensation provides various benefits for employees who become injured on the job. It’s designed to provide medical coverage and wage replacement for injured employees/workers. Many different on-the-job injuries are covered under a workman’s compensation policy. Our Martin Insurance Team is dedicated to helping our Ft Myers, FL clients understand how workers’ compensation works.

What is Worker’s Compensation?

Workers’ compensation is an insurance policy designed to protect and support employees who become injured while working. This type of insurance usually provides medical coverage and wage replacement for injured employees. Other benefits that may also be included are disability and death benefits.

What Types of Injuries are Covered By Worker’s Compensation?

Typical injuries often covered by workers’ compensation insurance include fractures, eye injuries, burns, sprains, torn ligaments, and more. Sometimes a worker’s compensation policy will cover an old injury that’s been worsened by a work environment if it can be proven. However, any injury sustained at work or while working may qualify an employee for workman’s compensation benefits. The most common type of on-the-job injury is muscle strain. In fact, strains make up over thirty percent of all workman’s compensation claims. However, workman compensation claims can run the gamut from mild injuries to severe or deadly. Often, injured employees are required to take a drug test to ensure that drug use didn’t play a part in an on-the-job injury.

If you’re a business owner or employer and have questions about workman’s compensation, give us a call. Our Martin Insurance Team is committed to helping our Ft Myers, FL employers understand the benefits of workman’s compensation. Give us a call. We’re standing by.