What Injuries Are Not Covered By Workers’ Compensation?

What Injuries Are Not Covered By Workers’ Compensation?

Based on each state’s workers’ compensation program, certain injuries at work are covered, while others are not. When an injury occurs outside the course and scope of employment, it may not be covered. Rules and exceptions may vary from one American state to another. Medical records services are important for insurers and attorneys to understand the injury sustained and its extent, which is crucial for workers’ compensation claims.

Injuries that may not be covered by workers’ compensation are injuries sustained 

While commuting to and From Work

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When Intoxicated and on the Job

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During Lunch or Break Time when the Worker is away from the Job Site

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When participating in an Off-Site Work Event

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During Fights or Horseplay

Other injuries that may not be covered by workers’ compensation are: 

Minor Injuries

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Unreported Injuries

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Independent Contractors

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Stress or Other Psychiatric Injuries, and

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Self-inflicted Injuries

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