Is Workers’ Compensation Only For Construction Jobs?

A common misconception about workers’ compensation is that this type of insurance is only available for construction workers and other jobs in the labor industry. However, this is simply not the case. While laws vary from state to state regarding exactly who is covered, the vast majority of states allow most employees to receive workers’ compensation benefits.

Which employees are usually covered by workers’ compensation?

Some types of employment that you may not realize are eligible for workers’ compensation include office workers, teachers and other school district employees, store employees, and more. Even though these jobs seem fairly safe, it is still very possible to become injured at work. For example, an employee working in a store can become injured if a box of product falls on them. An employee who works in an office can fall victim to carpal tunnel syndrome if their job requires them to type most of the day. This would fall under an occupational illness, which is typically covered by workers’ compensation laws as well.

Who is typically not covered?

Of course, not everyone is covered by workers’ compensation. Some of the occupations that are typically not included in workers’ compensation coverage include the following:

  • religious workers
  • agricultural workers
  • anyone who voluntarily rejects benefits
  • Federal employees
  • certain domestic home workers
  • independent contractors

It is important to note that every state’s workers’ compensation laws are different, so it is essential that if you have been injured on the job but are unsure if you are covered, you speak with your employer to find out whether you are eligible for benefits.

If you have become the victim of an on the job injury, it may be beneficial to speak with an attorney and the doctor that is treating you to determine how to make the process as easy as possible. AllianceMeds understands that a workplace accident can be challenging and is here to help. We will deliver your medication to your door using overnight delivery and cover any out of pocket expenses that may arise. If you have any questions about how we can help, contact AllianceMeds today.