{"id":588,"date":"2025-09-30T04:00:00","date_gmt":"2025-09-30T04:00:00","guid":{"rendered":"https:\/\/www.martininsuranceteam.com\/blog\/?p=588"},"modified":"2025-09-11T19:42:57","modified_gmt":"2025-09-11T19:42:57","slug":"will-workers-comp-cover-injuries-if-you-ve-been-drinking-alcohol","status":"publish","type":"post","link":"https:\/\/www.martininsuranceteam.com\/blog\/will-workers-comp-cover-injuries-if-you-ve-been-drinking-alcohol\/","title":{"rendered":"Will Worker’s Comp Cover Injuries If You’ve Been Drinking Alcohol?"},"content":{"rendered":"

Workers’ compensation is often required in many states if an employer has at least one employee. However, employees need to understand how it works in case something happens on the job. Employers also need to know what happens if an injury involves drugs or alcohol.<\/p>\n

What Is Workers’ Compensation?<\/h2>\n

Workers’ compensation is a type of insurance that helps protect employees who are injured on the job. It only covers injuries that occur while performing work-related duties and typically does not provide coverage for pre-existing conditions. Workers’ compensation generally covers medical bills and provides employees with a portion of their paycheck to compensate for lost wages. An agent at Martin Insurance Team can help you learn more about these benefits.<\/p>\n

Exclusions<\/h2>\n

Several exclusions apply to workers’ compensation claims. Accidents in Evergreen Park, IL, involving drugs or alcohol are typically not covered. Many workplaces require employees to take a drug test after an accident to ensure the injured person was not under the influence at the time of the incident. If they were, the employee is considered responsible, not the employer.<\/p>\n

Injuries resulting from fighting or horseplay are also excluded. Similarly, injuries caused by violating workplace rules are not covered. For example, if a machine operator disregards safety instructions and gets injured, their claim will likely be denied.<\/p>\n

Workers Not Covered<\/h2>\n

Some groups of workers may not be covered under workers’ compensation insurance. For instance, agricultural workers are excluded in certain states. Volunteers are not eligible for coverage, and domestic workers, such as maids and nannies, typically do not qualify.<\/p>\n

An insurance agent at Martin Insurance Team can help you understand how workers’ compensation coverage works and whether you qualify for benefits. Contact us today to learn more. We proudly serve the Evergreen Park, IL area.<\/p>\n","protected":false},"excerpt":{"rendered":"

Workers’ compensation is often required in many states if an employer has at least one employee. However, employees need to understand how it works in case something happens on the job. Employers also need to know what happens if an injury involves drugs or alcohol. What Is Workers’ Compensation? Workers’ compensation is a type of […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[36,60,34,69],"class_list":["post-588","post","type-post","status-publish","format-standard","hentry","category-commercial-insurance","tag-evergreen-park-il","tag-insurance","tag-martin-insurance-team","tag-workers-comp"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t