There are many examples of what is covered and what isn't covered by it; it is very important that you understand what will be covered and what won't so that if you have to make a claim, you know what to do. There are examples of people who will be covered by the workers compensation policy and that is important to know because you don't want to even waste your time gathering documents to file a claim if it will get denied.
People Who Are Not Employees
If you aren't employed by the company, you aren't going to be able to file a claim. Let us say that you are hurt on the job site, but you don't work there, you aren't going to be covered under what they have to offer to their employees. Know that this would go for visitors, family members, and other people who are not paid directly by the company. Their coverage would fall under other insurances the business may have.
People Who Are Subcontracted Employees
It is important to understand that if you are a subcontracted employer you are not covered under that particular employer's compensation plan. You may be covered under one that is offered through the company that hired you, but the company that you are working for is not responsible for you. Make sure that you know who has your workers compensation insurance policy if you are a subcontracted or a temporary employee.
People Who Are Not Performing Job Duties
If you take a company truck home and you get in an accident when you are off of the clock, your workers compensation policy will not cover it. In order to be covered by workers compensation, you must be working, you can't be off the clock and just hanging out, they aren't going to cover it. Understand this so that you are aware of when you should make a claim through this insurance.
People Who Are Under the Influence of Alcohol or Drugs
If you get hurt on the job and you are under the influence of alcohol and drugs, they aren't going to cover you with a workers compensation policy. The one thing that is specifically excluded on a workers compensation policy, and something that in most cases will almost guarantee that your claim gets rejected, is being affected by drugs or alcohol.
Knowing who is covered under a policy is very important. You want to make sure that you are well aware of the rules that go into a workers compensation policy so that you are familiar with it. You need to know what is covered and what isn't and who is going to be covered so that you are set in case you need to make a claim and know what you should make a claim for.
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