Charlotte NC | What Kinds of Injuries Qualify for Workers’ Compensation Benefits?
Many people are under the assumption that to be covered under workers’ compensation, you simply need to have gotten hurt at work. But workman’s comp is more complicated than that, and it helps to know the ins and outs.
For starters, it is required that the injury be classified as an “injury by accident.” This is defined as an injury caused by anything out of the ordinary that is interjected into your regular work routine.
There is an exception to the rule. Often, back injuries and hernias are covered without their having been an accident as long as you’ve had a “specific traumatic incident,” sometimes referred to as an STI. A good way to think about this is that it is something that hurts you, but doesn’t rise quite to the level of an “accident” or was triggered by such.
Keep in mind that there is also what is known as “occupational diseases.” In this case, medical conditions that develop over time due to hazards at work may very well be covered. How do you know if you have an occupational disease?
- First, an occupational disease is contracted by exposure to risk factors resulting, at least partially, from work activities. [characteristic of persons engaged in the particular trade or occupation which the claimant is engaged]
- Second, it is not an ordinary disease of life to which the public generally is exposed with those engaged in that particular trade or occupation
- Finally, as you can imagine, there must be a causal connection between the disease and the claimant’s employment.
No matter what, be sure to get an attorney when you’ve been injured on the job. There are too many rules and complexities to weed through, and the team at Oxner + Permar will make sure you are not alone in determining the extent of your injury and whether or not you can expect workers’ compensation as a result. With a team of 25 attorneys who have won more than $275 million in awards and settlements, Oxner + Permar is here to answer your questions and assist you in taking the right steps to get the benefits you deserve.