Call Us 866.940.1101 ☰ ˟
866.940.1101
Logo
  • Home
  • About Us
    • About Us
    • Employee Directory
    • Partners Page
    • Event Calendar
    • Refer a Friend
  • Get A Quote
  • Products
    • Lawyers Malpractice Insurance
    • Professional Liability Coverage For Attorneys
    • Accountants Professional Liability
    • Dentist Malpractice Insurance
    • Business Owners Policy
    • Cyber Liability Insurance
    • Workers Compensation Insurance
    • Title Agents E&O Insurance
    • Paralegal Malpractice Insurance
  • Testimonials
  • Common Terms
    • Common Terms
    • Frequently Asked Questions
  • Blog
  • Contact
  • Areas We Serve
    • Grand Rapids, MI
    • Detroit, MI
    • Lansing, MI
    • Kalamazoo, MI
Home > Blog > Should Illnesses Be Covered Under Workers Compensation Insurance?
THURSDAY, APRIL 29, 2021

Should Illnesses Be Covered Under Workers Compensation Insurance?

If you own a business, you are likely required to carry workers compensation insurance in order to protect your employees who are injured on the job. Most injuries are physical such as sprains and breaks from falling or pulls from lifting heavy objects, etc. However, somework injury claim form employees may fall ill on the job.  

Employees who contract an illness on the job related specifically to their work may qualify for workers compensation benefits.  

You May Have Trouble Proving It 
The main key to receiving workers compensation benefits is proving that the injury or illness occurred as a result of the work environment or requirements. Unfortunately, this can be difficult when it comes to an illness. Many illnesses may take longer to show symptoms which may give your employer or their insurer reason to think the illness was caused by something else.  

The employee has an easier case when the disease has a known connection with the job, and when it is rare to contract the disease outside of that job. If a coal miner develops black lung, chances are he did not contract it from his stove. If someone works with asbestos and contracts asbestosis, it is not difficult to guess where they got the disease from.  

Does Workers Compensation Insurance Apply to Pre-Existing Conditions? 
In some cases, an employee's pre-existing condition may be covered by workers compensation insurance. This often occurs if the condition was aggravated by the employee’s work duties. For instance, a case of arthritis worsened by lifting heavy boxes at work may be covered, even if the problem did not actually originate at the job.  

Exclusions and Exceptions  

Note that the same exclusions and exceptions exist for illness as for injury. If an employee suffers an illness owing to their own negligence — such as if they break company policy — they likely will not be covered by workers compensation. Someone who develops a respiratory disease because they refused to wear a proper safety equipment around noxious chemicals, for instance, likely does not have a case against their employer.  

Employers should know the limits of their workers compensation insurance policy while employees should learn to advocate for themselves when it comes to work-related injury. After an accident, employees should make sure to keep track of the appropriate details of the accident so that they are ready for the insurance provider. 

Posted 11:42 AM

Tags: workers compensation
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2013
  • 2011

  • lawyers professional liability insurance(429)
  • attorney malpractice insurance(398)
  • attorney malpractice(337)
  • legal malpractice(225)
  • legal liability(134)
  • cyber insurance(106)
  • data breach(92)
  • ethics(87)
  • erp(57)
  • malpractice insurance(55)
  • claims(39)
  • title agency e&o(36)
  • accountant e&o(34)
  • extended reporting period endorsement(30)
  • tail(29)
  • phishing(25)
  • legal malpractice insurance(23)
  • prior acts(22)
  • claims made coverage(21)
  • extended reporting period(21)
  • cyber security(20)
  • cyber liability(18)
  • accountant errors & omissions(18)
  • claims reporting(18)
  • crime insurance(16)
  • ransomware(16)
  • claim prevention(16)
  • attorney protective cle(14)
  • the hartford weekly newsletter(14)
  • attorney protective cle webinar(14)
  • 2022 mcgowan pro cpe webinar for accountants(13)
  • professional liability insurance(13)
  • mcgowan webinar series for cpas 2021(12)
  • retirement tail(12)
  • attpro tip of the month(12)
  • business owners insurance(11)
  • legal liability insurance(11)
  • fee suits(10)
  • full prior acts(10)
  • cyber crime(10)
  • accountant errors & omissions insurance(10)
  • prior acts date(9)
  • step rating(9)
  • non-practicing erp(9)
  • bop(9)
  • cyber liability insurance(9)
  • title agent errors & omissions(9)
  • claims made(9)
  • webinar(8)
  • lawyers(8)

View Mobile Version
Logo
Quick Links
Home Our Products Customer Service Payment Options Common Terms
About Us Refer A Friend Our Carriers Blog Contact Us
Location
2430 Camelot Ct SE
Grand Rapids, MI 49546

Local: 616.940.1101
Toll Free: 866.940.1101
Email: info@L2ins.com
Facebook Twitter Social LinkedIn
© Copyright. All rights reserved.
Powered by Insurance Website Builder