Call Us 855-758-9649 ☰ ˟
Logo
Dentist Professional Liability Call Us 855-758-9649
  • Home
  • Our Agency
    • AboutImage of right arrow
      • Our Locations
    • Dentists Professional Liability Quote
    • Applications
    • Our Companies
  • Products
    • Dentist Professional LiabilityImage of right arrow
      • Receive a Quick Quote
      • MedPro Informed Consent Forms
      • OMS Informed Consent Forms
      • Dental Business Liability and Workers Comp
    • Coverage for Your BusinessImage of right arrow
      • Bonds
      • Business Catastrophe Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Real Estate Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Equipment Insurance
      • Errors and Omissions Insurance
      • Extortion Insurance
      • Fidelity Bonds
      • Loss Control Insurance
      • Inland Marine Insurance
      • Kidnapping Insurance
      • Marine Insurance
      • Mechanical Breakdown Insurance
      • Office Insurance
      • Product Liability Insurance
      • Professional Liability
      • Ransom Insurance
      • Shipping Insurance
      • Small Business Insurance
      • Small Business Liability Insurance
      • Storage Insurance
      • Surety Bonds
      • Technology Insurance
      • Trailer Insurance
      • Transportation Insurance
      • Trucking Insurance and Semi Truck Insurance
      • Workers Compensation
      • Van Insurance
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Bar Insurance
      • Box Truck Insurance
      • Builders Risk Insurance
      • Car Dealership Insurance
      • Cargo Insurance and Freight Insurance
      • Catering Insurance
      • Cleaning Business Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Contractors Insurance
      • Convenience Store and Gas Station Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Dental Practice Insurance
      • Dental Malpractice
      • Dump Truck Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Food Truck Insurance
      • Fleet Insurance
      • Handyman Insurance
      • Garage Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Limousine Services Insurance
      • Liquor Liability Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Marijuana Insurance
      • Media & Advertising Insurance
      • Medical Malpractice Insurance
      • Minibus Insurance
      • Non Profit Insurance
      • Nursing Home Insurance
      • Nursing Insurance
      • Orthotics & Prosthetics Insurance
      • Personal Trainer Insurance
      • Pharmacist Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Real Estate Businesses Insurance
      • Restaurant Insurance
      • Retail Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tow Trucks Insurance
      • Uber Insurance
      • Veterinary Insurance
    • Auto and Homeowners Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Personal Injury Protection (PIP)
      • Mexican Auto Insurance
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Personal Umbrella Insurance
      • Earthquake
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Disability Insurance
    • Health InsuranceImage of right arrow
      • Group Health Insurance
      • Disability Insurance
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
    • Additional Insurance ServicesImage of right arrow
      • Special Event Insurance
      • Wedding Insurance and Special Event Insurance
  • Get A Quote
    • Quote Forms
    • Apply for OMS coverage
    • Business Owners and Workers Compensation Quote
  • Contact Us
    • Contact Us
    • Location & Hours
Home > Blog > Does Workers Compensation Cover Illnesses?
FRIDAY, APRIL 30, 2021

Does Workers Compensation Cover Illnesses?

 

Does Workers Compensation Cover Illnesses?

a man holding a phone 

Workers compensation is typically thought of as covering injuries employees suffer such as sprains, strains and broken bones. While these incidents are covered under workers compensation, workers compensation policies also cover certain illnesses. 

It won’t cover normal flus or allergies, of course. But, if you are a health worker and you contract a serious disease after being stuck with a needle, for example, you may be eligible for workers compensation.  

Essentially, if you've contracted an illness because of your work duties, and if your state law does not explicitly rule it out, you're likely eligible for workers compensation. Another example would be if you are a contractor working on an old building that has asbestos and you fall ill due to the asbestos. In this case, you may be entitled to compensation. 

 

It's not always easy to prove that an illness was contracted in the line of duty. 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's not difficult to guess where they got the disease from.  

 

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.  

 

If you are a business owner, be sure to speak with your insurance agent about what is and isn’t covered under your workers compensation policy. Employees should also be aware of when they will or won’t receive compensation for a workers compensation claim, especially when it comes to gray areas such as illnesses and pre-existing conditions. After an incident, remain in contact with the workers compensation insurance agent to make the process go smoothly.

Posted 11:31 AM

Tags: workers comp
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

  • dental malpractice insurance(6)
  • auto insurance(4)
  • home insurance(3)
  • business insurance(3)
  • workers compensation(3)
  • dental insurance(1)
  • homeowners insurance(1)
  • workers comp(1)

View Mobile Version
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Home| Get A Quote| Customer Service| Blog| About Us| Contact
7847 Florence Avenue, Suite #120 | Downey, CA 90240
Ph: 855-758-9649 | Fx: 562-928-8149 | mail@mikels-ins.com
Social Social
Logo

Powered by Insurance Website Builder