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In Lakewood, CO, workers’ compensation provides medical care options and wage replacement for employees dealing with work-related illnesses or injuries. However, not all injuries qualify for these benefits. Certain situations and types of injuries may exempt you from receiving workers’ compensation.
Understanding the Scope of Employment
An injury must occur while performing job-related duties to qualify for workers’ compensation. Injuries that happen outside the scope of your employment, such as during your commute to and from work, typically do not qualify.
Exclusions for Self-Inflicted Injuries
Workers’ compensation benefits usually exclude injuries intentionally caused by the worker. The claim will likely be denied if an employee deliberately harms themselves or stages an injury to receive compensation. Additionally, workers engaging in reckless or dangerous behavior, such as fighting with coworkers or violating safety protocols, may also be exempt from benefits if the injury results from these actions.
Impact of Intoxication or Drug Use on Claims
Workers injured while under the influence of drugs or alcohol are generally ineligible for workers’ compensation. If an investigation reveals that intoxication played a significant role in causing the injury, the claim may be denied. Some employers may require drug testing after an accident to confirm whether substances were involved.
Criteria for Mental and Emotional Injuries
Not all mental or emotional conditions qualify for workers’ compensation, especially if they are not tied to a specific physical injury or traumatic work-related event. Without a tangible connection to the job, psychological stress alone often does not meet the criteria for benefits.
Colling Insurance Services Inc. – Your Guide to Insurance
Colling Insurance Services Inc. provides comprehensive answers to your insurance questions. We serve Lakewood, CO, and surrounding cities. Contact us today.