Workers’ compensation is a state-mandated insurance program. It offers benefits to employees who sustain work-related injuries or diseases. The policy covers medical expenses, wage replacement, and rehabilitation costs. It provides support to recovering employees. Below is more information on the covered injuries and illnesses for workers’ compensation:
Accidental Physical Injuries
Workers’ compensation covers work-related injuries. Arizona requires employees to notify their employer immediately after an injury.
- slips
- falls
- machinery accidents
- lifting injuries
- being struck by objects
Occupational Diseases
Illnesses caused by workplace exposure and repetitive work tasks are covered. Therefore, they must be directly caused by workplace conditions such as the following:
- respiratory issues from inhaling toxic fumes
- skin conditions from chemical exposure
- conditions related to repetitive strain
- repetitive motion injuries
Mental Health Conditions Related to Work Injury
Arizona may cover mental health disorders that result from a physical work-related injury. Anxiety or depression brought on by a serious physical injury sustained at work can qualify. It can be more difficult to prove claims related to mental health.
Aggravation of Pre-existing Conditions
Work-related incidents sometimes exacerbate a pre-existing injury or illness. Workers’ Comp may cover the aggravated condition. This can include arthritis or back pain caused by job-related activities.
Cumulative Trauma Injuries
Workers’ compensation covers accumulated trauma or exposure caused by job conditions. One example is hearing loss caused by continuous exposure to noisy machinery.
Certain Off-Site and Travel-Related Injuries
Workers’ comp covers off-site work injuries as well. This includes work-related travel or duties outside of the main workplace.
Remember that you must demonstrate that the accident or illness occurred “in the course of” employment and is “related to” job tasks or conditions. If your health issue is among the list of covered injuries and illnesses under the workers’ compensation program, then you have the right to file a claim.
