Workers' compensation provides wage replacement and medical benefits to employees who have suffered an injury or illness. While every job has some risks, some industries are more prone to workplace injuries than others. Therefore, business owners must have adequate information on such claims to protect them from unforeseen financial liabilities.
Continue reading to learn about the most common injuries that lead to workers' compensation claims.
Workplace Injuries That Demand Settlements and Other Benefits
Sharp objects, such as machinery or tools, in the workplace cause lacerations. They may require medical attention, hospitalization, or even surgery. Such injuries also result in absence at work or long-term disability that can affect the employee's earning ability. Employees file claims to reimburse their long-term medical expenses and ongoing rehabilitation costs.
- Sprains and Strains
Sprains and strains happen due to overexertion during physical labor and lifting heavy objects. Sprains typically affect ligaments, while strains commonly involve muscles or tendons. These injuries can cause workers to miss work, undergo physical therapy, and even require surgery. In such cases, your employees may file claims to compensate for their medical fees and lost wages during the healing process.
Contusions or bruises most commonly occur in industries where workers are prone to slips and falls, such as construction sites or warehouses. They can also happen by blunt force trauma, such as being struck by falling objects or machinery. While they often cause mild injuries, contusions can still result in medical expenses and lost time from work. Contusions results in employess filing claim to fulfil expenses during recovery period.
Burns in the workplace can happen due to chemical exposure, exposure to fire, scalding from hot liquids, and electrical accidents. Severe burns can be life-threatening and require extensive medical intervention. Employees who experience burns in the workplace may be eligible to file a claim for compensation if their injury is due to employer negligence or misconduct.
- Eye Injuries
Eye injuries occur due to exposure to harmful chemicals, flying debris, and blunt force trauma. Injuries can be debilitating and even lead to permanent loss of vision. Employees experiencing eye injuries in the workplace can file compensation for their medical expenses and any resulting loss of income.
Fractures occur due to slip-and-fall accidents, heavy lifting, repetitive strain injuries, and other related incidents in the workplace. Fractures result in costly claims for employees and the employer. Employees may require extensive medical treatment and an extended recovery period, while employers may face penalties for failing to provide a safe work environment.
- Cumulative or Continuous Trauma
Cumulative or continuous trauma can result from performing the same task repeatedly, such as assembly line work, typing, or using a computer mouse for extended periods, leading to damage to the muscles, tendons, and nerves. Some common examples of cumulative trauma injuries include carpal tunnel syndrome, tendinitis, and lower back pain. Employees may require medical treatment, rehabilitation programs, and extended time off work to recover fully.
Get Comprehensice Workers Compnesation with Little & Sons Insurance Services
At Little & Sons Insurance Services, we offer comprehensive workers' compensation insurance to cover injured employees while protecting your business from related lawsuits and claims. Our team will help you navigate the complexities of the process to make an informed decision. You can visit our website or contact us at 18449548853 for more information.