Working is a necessary component of being able to provide for yourself and your family. You need to earn a paycheck to keep a roof over your head and food on the table. If you come home one day and are hurting, it may be a sign that you have suffered a work injury. What happens if you get hurt while working? Take a look at the three categories of workplace injuries and what they mean.
- Trauma Injury
You may go to work one day and fall down the steps, breaking a bone or causing muscle damage to your back. This type of workers’ compensation category is known as a traumatic injury. It is a one-time incident or accident that causes damage to a part of the body. The most common type of workers’ compensation injury is a muscle strain or sprain, which is covered under this category. Some other common examples are:
- Hit by object
- Workplace violence
When suing employer for injury under this category, it is good to have a witness who can back you up.
- Repetitive Injury
Going to work and performing the same job every day can wear on your mind and, as it turns out your body. Doing a task that requires the same movement of your body, like typing on a computer for 6 hours, can lead to something called a repetitive injury. Workers’ comp insurance agencies also refer to this as cumulative trauma. It is an injury that is a direct result of repetitive motion or ongoing act at work. It usually affects muscles, cartilage, and tissue, but it can affect bones and skin as well. Some examples of the most common repetitive work injuries are:
- Carpal tunnel syndrome (wrist)
- Cubital tunnel syndrome (elbow)
- Joint problems (knees, hips, shoulders)
- Disc herniations (back and neck)
The most common repetitive injury is carpal tunnel syndrome and it is typically caused by improper typing technique. It is corrected through surgery but can have long-lasting effects.
- Psychological Injury
In some instances, a psychological injury may also be covered under workers’ compensation. These injuries are not always covered because the cause is harder to prove because there isn’t necessarily one thing that can be blamed. The exception to this is workplace violence. When a worker is a party to a tragic and violent event like this, psychological repercussions are almost always covered.
Accidents happen, even at work. Whether it’s a one-time incident or a long-standing situation, you may want to consider recouping your out-of-pocket expenses from your employer.