Basics About Eligibility For Workers Compensation Insurance
Wondering about how workers compensation insurance works in the Keystone State
? Workers compensation is insurance that is triggered in the event of an injury that occurs on the job, a preexisting injury is aggravated, or a work-related illness (such as asbestosis or carpal tunnel syndrome) develops.
Benefits could be payable even if the worker is found to be at fault for causing the on-the-job injury. However, in Pennsylvania, workers compensation generally does not apply in cases where accidents that happen while the worker is on personal time (during a break or at lunch), or traveling to or from work. Here is some additional information about Pennsylvania workers compensation coverage:
Carpal tunnel syndrome and other disordersJobs that require performing repetitive motions can cause carpal tunnel syndrome and other disorders. Workers compensation insurance can cover these types of repetitive motion injuries provided the injury can be proven to be work-related.
Injury sustained while volunteeringIn cases where someone was serving on a volunteer basis, workers compensation benefits would not be payable because coverage applies to paid workers. There are exceptions to the rule: certain types of volunteers such as firefighters, ambulance employees, and special school police are eligible for workers compensation coverage.
Self-inflicted injuryIt doesnt matter whether the worker was at fault for causing the injury that triggers a workers compensation claim. However, self-inflicted injuries that are intentionally caused are not covered under workers compensation.
Injury sustained on jobs that are mobile in natureWorkers without a fixed place of business, such as consultants, traveling salespersons, or traveling nurses, are typically covered for workers compensation in most cases once they are on the clock and hit the road.
Working from homeCoverage depends in this situation, and can hinge on whether the worker chose to take work home (generally not covered), as opposed to being specifically requested by his or her employer to perform the work at home (likely to be covered).
Coverage for a past injury aggravated on a present job
Workers compensation coverage in this case will hinge on whether the attending physician finds the aggravation to be a new and current-job-related injury, which would be covered, rather than a recurrence of the old injury.
Getting injured on the job is difficult enough; at a time like that, the last thing one wants to worry about is how to continue getting paid while he or she is unable to work. Contact a professional insurance agent to learn more about
workers compensation, how payment amounts are calculated, and other important details.
by: KellieM.Atkinson
Bookkeeping Organizations Experts Insurance Indemnity Insurance Protection Coverage With Professional Activities The Best Advantages Of Mandatory Work Insurance What You Need To Know About Landscaping Insurance Insure And Secure Your Business Today Put Your Best To Acquire Finest Business Insurance Interesting Facts About Income Insurance Know About Keeping Art Investment Safe With Art Insurance Useful Tips In Getting Income Protection Insurance Finding A Lansing Insurance Agency Insurance Shield For The Two-wheelers Insure And Protect Your Business Today Avail The Cheapest Sr22 Insurance