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Will Workers Compensation Cover Illness, Or Just Injury?

By March 12, 2020 October 6th, 2020 Insurance

Ill Worker

When we think of workers compensation insurance claims, we generally think of physical injury. For instance, we might think of the construction worker who’s fallen off a ladder. However, workers compensation coverage does, in fact, extend to illness in some situations. In particular, workers compensation insurance extends to illnesses contracted in the course of performing one’s duties, which interfere with an employee’s ability to make a living.

This means that catching the common cold and taking a few sick days does not qualify you for workers compensation coverage. But, if you are a health worker and you contract a serious disease after being stuck with a needle, you may be eligible for workers compensation.

Essentially, if you’ve contracted an illness because of your work duties, and if your state law does not explicitly rule it out, you’re likely eligible for workers compensation.

Can It Be Proven?

It’s not always easy to prove that an illness was contracted in the line of duty. The employee has an easier case when the disease has a known connection with the job, and when it is rare to contract the disease outside of that job. If a coal miner develops black lung, chances are he did not contract it from his stove. If someone works with asbestos and contracts asbestosis, it’s not difficult to guess where they got the disease from.

Aggravated Conditions

In some cases, an employee’s pre-existing condition may be covered by workers compensation insurance. This often occurs if the condition was aggravated by the employee’s work duties. For instance, a case of arthritis worsened by lifting heavy boxes at work may be covered, even if the problem did not actually originate at the job.

Exclusions And Exceptions

Note that the same exclusions and exceptions exist for illness as for injury. If an employee suffers an illness owing to their own negligence — such as if they break company policy — they likely will not be covered by workers compensation. Someone who develops a respiratory disease because they refused to wear proper safety equipment around noxious chemicals, for instance, likely does not have a case against their employer.

Bottom line: Workers compensation insurance is there to protect employees against loss of income. It can also protect their employers against expensive lawsuits — regardless of whether that comes down to injury or illness.