What's typically covered

Workers’ compensation insurance covers employees for injuries and illnesses sustained in the course and scope of employment, including:

• Medical bills
• Disability payments
• Rehabilitation and recovery costs
• Partial missed wages
• Funeral costs and survivor benefits
• Workers’ compensation insurance also covers an employer’s legal defense fees and settlements/judgments, should an injured employee sue for a WC-ineligible workplace injury.
• Workers’ compensation insurance does not cover every workplace injury. Coverage may be denied if any of the following apply to the injury:
  • Originated outside the workplace
  • Self-inflicted
  • Resulted from a fight started by the employee
  • Related to a felony
  • Claimed after an employee is terminated or laid off
  • Caused while the employee was under the influence of drugs or alcohol