6 Injuries That Can Be Covered By Worker’s Comp Insurance

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If you are considering filing a worker’s compensation insurance claim, it is crucial to understand which injuries are covered by your policy. Commonly covered injuries include lacerations requiring stitches, broken bones, deep bruises, muscle, tendon, and ligament damages or tears, and concussions. 

Take a closer look at some of the most commonly covered injuries by worker’s compensation insurance we’ve listed in this post. 

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1- Lacerations Requiring Stitches:

Lacerations that require stitches are one of the most common types of injury that workers’ compensation covers. These types of cuts can occur in many different ways, such as falling off of ladders, being cut by machinery or tools, or even being struck with a blunt object. Depending on the severity of the laceration and the number of stitches needed to close it, these types of injuries can be quite costly to treat.

2- Broken Bones:

Broken bones are another type of injury typically covered by worker’s compensation insurance policies. This includes fractures caused by falls or car accidents as well as broken bones from repetitive motion activities such as typing for long periods or lifting heavy objects. In addition to medical costs associated with treating a broken bone, such as x-rays and casts, this coverage may also cover lost wages due to missed work days while recovering from the injury.

3- Deep Bruises:

Deep bruises from physical trauma can often take weeks to heal and can be quite painful during recovery. Fortunately workers who experience these types of injuries on the job, they may be able to seek financial assistance through their worker’s compensation policy for medical expenses related to treating the bruise as well as lost wages due to any time off taken for recovery.

4- Muscle, Tendon and Ligament Damages/Tears:

Muscle strains and tears are very common workplace injuries that occur when muscles become overstretched due to excessive movements or sudden impacts such as falling down stairs or slipping on wet surfaces. Worker’s compensation policies typically cover medical costs associated with treating torn muscles or tendons, including physical therapy sessions and medications prescribed for pain relief or inflammation reduction during recovery time. 

5- Concussions:

Concussions occur when someone suffers from a traumatic head injury causing them to lose consciousness temporarily. It is essential that anyone who experiences concussion symptoms seek immediate medical attention because concussions can have severe consequences if left untreated including memory loss, confusion, and difficulty concentrating on day-to-day tasks. Worker’s compensation insurance often covers costs associated with diagnosing a concussion, such as CT scans along with treatment costs including medications prescribed for reducing inflammation in the brain during recovery time. 

6 – Traumatic Brain Injury:

Traumatic brain injury often comes with long-term effects, including impaired cognitive abilities and physical agility, both of which can have profound consequences for a person’s ability to work and support themselves. Fortunately, workers’ compensation insurance helps ensure that those who suffer brain injuries at their job have access to the care they need and financial security to overcome the difficult recovery process.

Conclusion:

Knowing what types of injuries are covered under your worker’s compensation insurance policy can help you make an informed decision about whether or not you should file a claim after getting injured on the job. Commonly covered injuries include lacerations requiring stitches, broken bones, deep bruises muscle, tendon and ligament damages/tears, and concussions. So if you experience any of these symptoms and need help filing a claim, speak with your company’s worker’s compensation insurer today.

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