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What Counts as a Work-Related Injury (And When to File a Claim)

What Counts as a Work-Related Injury (And When to File a Claim)

Workplace injuries can happen in an instant or develop slowly over time. Whether it’s a fall from a ladder, stress-related burnout, or carpal tunnel from years of typing, workers’ compensation exists to protect employees when they’re hurt on the job.

But many workers are unsure what “counts” as a work-related injury, what benefits they’re entitled to, or whether it’s worth filing a claim. This guide will break it down clearly, so you know your rights and how to act when something goes wrong at work.

What Is Considered a Work-Related Injury?

A work-related injury is any illness or injury that happens in the course of employment. This includes more than just physical trauma — mental health conditions and long-term repetitive injuries may also be covered.

Examples of Covered Injuries:

Physical Accidents

  • Slipping and falling on a wet floor at work
  • Getting hit by falling objects
  • Injuries from machinery or tools
  • Cuts, sprains, or fractures during job duties
  • Burns or chemical exposure

Repetitive Strain Injuries

  • Carpal tunnel syndrome from data entry
  • Tendonitis from assembly line work
  • Lower back problems from frequent lifting

Occupational Illnesses

  • Asbestos-related disease from factory exposure
  • Respiratory conditions from inhaling dust or fumes
  • Skin conditions from chemical exposure

Mental or Emotional Injuries

  • PTSD after witnessing a traumatic workplace event
  • Work-induced anxiety or depression (varies by state and situation)

Important: Commutes are usually not covered unless you’re traveling as part of your job (e.g., delivery driver, home health worker).

When to File a Workers’ Compensation Claim

You should file a claim as soon as possible after the injury or illness occurs. Each state has its own deadlines, but many require you to notify your employer within 30 days and file your formal claim within 1–2 years.

Delaying could result in denied benefits.

Tip: Even if you think the injury is minor, report it. Some symptoms (like repetitive strain injuries or head trauma) worsen over time.

How to File a Workers’ Comp Claim

The process varies by state, but here are the general steps:

1. Report the Injury to Your Employer

  • Do this in writing if possible
  • Include the date, time, how it happened, and any witnesses

2. Seek Medical Treatment

  • You may be required to see an approved doctor
  • Keep records of all medical visits, treatments, and bills

3. Complete Workers’ Comp Forms

  • Your employer should provide claim forms or direct you to your state’s workers’ comp board
  • Submit all required paperwork by the deadline

4. Wait for a Decision

  • The insurer will approve or deny your claim
  • If approved, you’ll begin receiving benefits
  • If denied, you can appeal

What Benefits Are Available?

Workers’ compensation benefits are designed to help you recover and protect your income. Depending on your injury and your state’s laws, you may receive:

1. Medical Care

  • Doctor visits, hospitalization, medications
  • Surgery, rehabilitation, physical therapy

2. Wage Replacement

  • Temporary disability benefits if you can’t work
  • Usually 2/3 of your average weekly wage (subject to limits)

3. Permanent Disability

  • If your injury results in long-term or permanent impairment

4. Vocational Rehabilitation

  • Training or support to help you return to work if you can’t do your old job

5. Death Benefits

  • For surviving spouses or dependents if a worker dies on the job

What Injuries Might NOT Be Covered?

While workers’ comp laws are designed to be worker-friendly, there are exceptions:

  • Injuries caused by intoxication or drug use
  • Intentional self-inflicted injuries
  • Injuries from fighting or horseplay
  • Conditions not directly tied to work duties
  • Stress or burnout without documented impact or cause

Some mental health claims are more difficult to prove and may require extra documentation or expert testimony.

Common Reasons Claims Are Denied

  • Missed deadlines
  • Lack of medical evidence
  • Injury occurred off-site or during personal time
  • Employer disputes the claim

If your claim is denied, don’t panic — most states have appeal processes where you can present your case and supporting evidence.

What About Remote Workers?

Yes, remote employees can still file workers’ compensation claims but you must prove the injury happened in the course of employment.

Example: If you slip on the stairs while grabbing coffee at home, it might not be covered. But if you injure your wrist while typing during a scheduled Zoom meeting, it likely would be.

Bottom Line: Know Your Rights, Take Action Early

Workers’ compensation is there to protect you. If you’ve been injured on the job physically, emotionally, or due to long-term strain — don’t wait to act. The sooner you report the injury, get medical help, and file your claim, the better your chance of getting the support you deserve.

Next Up: Can You Be Fired for Filing a Workers’ Comp Claim?

Understand your legal protections and what to do if your employer retaliates after you file a workers’ compensation claim.

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