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Are All Work-Related Injuries Covered by Workers’ Compensation?

Workers’ compensation insurance provides medical and wage-replacement benefits to workers who are injured on the job or in the course of their employment.

But “on the job” covers a lot of different work scenarios. For example, what if you’re hurt while playing football at your company’s summer outing or injured while visiting a worksite that isn’t owned by your employers? What happens if you get into a traffic accident while driving back from that site?

All of these scenarios are work-related, but not all would qualify for workers’ compensation benefits. The most clear-cut example that qualifies for workers’ compensation is an accident that happens at your workplace while you’re performing a work-related task, such as a construction-site accident involving a fall from a ladder.

In most cases, injuries that occur while you’re conducting business — whether or not you are on your company’s property — are covered. So, an injury you sustained while visiting a worksite or driving to that site should be covered. But your injury at the company outing may not be. If the outing was considered an optional social event, your injury would likely not be covered by workers’ compensation. (Likewise, a night out with coworkers that results in an injury from a bar fight would not be covered, nor would a sprained ankle sustained during a lunch time jog on company property.) But if your company organized the outing as part of a company retreat to promote team- building and you were required to attend required, then workers’ compensation would apply.

Traveling follows similar logic. If you are in a car accident during your morning commute, that accident is not covered by workers’ compensation. But if you’re driving a company car, traveling on business, or running an errand for your boss, it probably would be.

If you have been injured while performing work-related duties, but you aren’t certain the injury is covered by workers’ compensation, you may want to discuss your case with an experienced workers’ comp attorney. A skilled lawyer can help talk you through your options and determine whether your case meets the criteria for compensation in North Carolina.

The Lanier Law Group, P.A. has years of experience helping clients throughout North Carolina file claims for workers’ compensation and successfully appeal denials. We offer full-service support and strong legal advocacy at our offices across the state. Call us toll free at 855-234-7619 or contact us today for a free consultation about your case.

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