What you need to know about injuries covered by workers’ comp

No matter what kind of work you do, if you suffer an on-the-job injury, you will be eligible to file a workers’ compensation claim.

You may think that workers' comp only covers an injury caused by an accident, such as a burn or a broken bone. However, many claims for compensation involve medical issues that develop over time. Here are some facts about injuries and what to do if you suffer one.

Common disabling injuries

Construction workers know how dangerous falls from a ladder, a roof or scaffolding can be. Falls on the same level and falls to a lower level rank high on the list of workers’ compensation claims. However, any activity that requires pulling, pushing, bending, reaching, climbing, twisting, crawling, holding or carrying has the potential for causing injury, no matter what industry you work in.

People who work on assembly lines, who operate machinery or who work with hazardous substances are at risk for disabling injuries that may require lengthy recovery time and weeks or months off work.

Injuries that occur over time

The top cause of on-the-job injuries is overexertion, which can lead to a repetitive stress injury, one of the more common reasons to file a workers’ compensation claim. These injuries affect soft tissues, such as muscles, tendons and ligaments. An example is carpal tunnel syndrome, a condition that develops because of too many repetitions of a motion or activity.

Wrists, hands, fingers and thumbs are most at risk. Often, it is possible to successfully manage painful, repetitive injuries, which also include bursitis, tendinitis and tenosynovitis with the proper medical care.

Injury reporting process

If you suffer a broken bone, carpal tunnel syndrome or any other kind of on-the-job injury, you must report the injury to your supervisor and explain that you wish to file a claim for workers’ compensation. You will need to see a doctor as soon as possible. You are entitled to appropriate compensation for your medical expenses, current and future, plus a portion of your lost wages.

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