Does Workers’ Compensation Cover Work-related Illnesses?

Workers’ compensation is a form of insurance designed to protect employees who suffer from injuries or illnesses related to their jobs. While most people associate workers’ compensation with physical injuries like broken bones or sprains, it’s also important to understand how this insurance applies to work-related illnesses.

Coverage for Work-related Illnesses

Workers’ compensation typically covers work-related illnesses. These conditions may arise directly from workplace exposure, such as inhaling toxic chemicals, developing repetitive strain injuries or contracting diseases due to unsanitary conditions. Common work-related illnesses can include respiratory problems, skin diseases or even long-term conditions like cancer linked to workplace hazards.

However, for a claim to be successful, the illness must be directly connected to the nature of the employee’s work. The burden of proof usually falls on the employee to demonstrate that the illness is indeed work-related.

Common Work-related Illnesses Covered

Employees may experience various illnesses depending on the type of work they do. Below are some examples of conditions typically covered by workers’ compensation:

• Respiratory illnesses from exposure to dust, fumes or chemicals
• Skin conditions due to contact with hazardous materials
• Occupational asthma from allergens in the workplace
• Hearing loss from prolonged exposure to loud noises
• Repetitive strain injuries like carpal tunnel syndrome

Contact Us Today

Workers’ compensation is designed to protect employees who develop illnesses due to their working environment. While navigating the claims process can be challenging, employees are entitled to compensation for legitimate work-related illnesses. If you believe your illness is work-related, it’s essential to report it promptly and seek medical documentation to support your claim. Contact Mikel's Insurance Services to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.