What are Some Injuries not Covered by Workers’ Compensation?

Posted by Florida Resource Management on May 26, 2023

Workers’ compensation is a large and complex section of HR management.

As you run a business, especially with a growing employee volume, you’re bound to encounter workplace injuries. Some injuries and accidents may require workers’ compensation, whereas others do not. Thankfully, with our help, you’ll be able to distinguish between the two and never lose money by handling them improperly or succumbing to fraudulent claims.

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Injuries Covered by Workers’ Comp

Many injuries that occur on the job fall under workers’ compensation to some extent. Assuming an employee reports the injury illness (within the requisite time frame), they may be eligible for compensation for injuries sustained by their work activities, equipment, and surroundings.

What does this typically include?

  • Noise-induced hearing loss
  • Job-related respiratory illnesses
  • Repetitive-stress injuries
  • Injuries involving chemical spills or burns
  • Specific-Incident Injuries (i.e., slips, trips, and falls)

Injuries NOT Covered by Workers' Comp

Then there are certain injuries and illnesses not covered by workers’ compensation.

  • Injuries brought about by employee conduct violations (including horseplay)
  • Injuries resulting from intoxication or illicit drug use
  • Any injury that occurs while an employee isn’t on the job
  • Injuries that involve any serious crime (on the part of the injured)
  • Heart attacks
  • Pain and suffering
  • Ordinary diseases
  • Headaches, influenza, and other common short-term health difficulties
  • Off-duty recreational mishaps
  • A willful attempt at injury or suicide
  • Injuries emanating from certain mental traumas
  • Minor abrasions (cuts or scrapes that only require minimal treatment)

Why Workers’ Compensation Matters So Much

As you can probably tell, there are situations that include substantial “gray areas,” where it helps to have an experienced professional render judgment on it. If a business doesn’t take care of workers’ compensation or doesn’t understand its limitations, then it’s easy to waste time and resources.

That’s why you can find resources on our website dedicated to workers’ compensation fraud management. We can help you safeguard your company against fabricated claims, exaggerated injuries, and any dishonest attempts to blame your business for injuries sustained outside of work.
You can get on top of every worker’s compensation and employee concern by selecting the reliable HR services of Florida Resource Management. There’s no reason to get blind-sided by a workplace accident when you have effective procedures and consultant service to help adjudicate tough bottlenecks. Contact us anytime to discuss this topic in greater detail by calling 941-343-6160.

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