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What workers’ compensation doesn’t cover

Workers’ compensation provides benefits to employees for injuries they sustain on the job. If a worker qualifies for workers’ comp, he or she can receive benefits for lost wages, medical costs and other expenses. However, residents of Pennsylvania and other states should know that there are instances when workers’ comp might not apply.

Nonwork activities

Typically, workers’ comp will not cover injuries that were not sustained on the job. As a result, injuries sustained outside of the workplace or during leisure activities may disqualify someone from receiving benefits. It can sometimes be hard to determine if certain activities were performed in the scope of a worker’s employment, such as business trips and activities that occur outside of an employer’s office or factory. A skilled attorney should know if injuries sustained in connection to a given activity qualify for workers’ comp.

Reckless activity

If individuals take certain risks or are reckless in their work, they may be denied workers’ comp. For instance, if people do not use safety harnesses, safety glasses or other equipment to safeguard themselves in the workplace, any injuries that result may not qualify them to receive benefits. As a result, it is important that employees use all safety equipment that is available to them in the workplace so that they can protect themselves and be more eligible for workers’ comp.

Unusual treatment

Workers’ comp will usually only cover traditional medical treatments needed to recover from a work injury. As a result, holistic medicine and other types of treatment may not be covered by worker’s comp. Nevertheless, if someone can show the benefit of such care, he or she may be able to obtain coverage for such care.

Not a covered worker

Workers’ comp usually only applies to covered workers of an employer. As a result, certain independent contractors and others who are providing services to an employer may not be qualified to receive workers’ comp coverage. An experienced worker’s comp attorney should know if you are entitled to coverage and do everything possible to secure the most benefits possible.


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