Employees are the company’s backbone; their well-being and health are paramount. No matter the size of an organization, employees’ health, welfare, and safety are essential. If an employee is not provided with adequate health care and compensation in an accident in Washington, the business could be sued. Workers’/Workmen Compensation Act, 1923, provides financial relief to the employees’ families in the case of fatality or injury on the job; read more about the whole act.
Even though workers’ compensation has broad coverage, certain exemptions under the insurance. Some exclusions include:
Injuries occurred due to war, invasion, or nuclear perils:
At work, any injury to the employees due to war, attack, nuclear perils, or invasion does not come under the employer’s fault. And hence, it is not included in the workers’ compensation insurance. Further, holding the employer liable in these cases is not justified as he could be a victim of the same situation.
Injury while intoxicated or due to drugs:
Injury caused to an employee at work due to intoxication is not covered under workers’ compensation. However, suppose an employee is under any drug or alcohol influence. In that case, he is dismissed from insurance benefits.
Unless specifically covered, this policy excludes any person employed in a business by a contractor or subcontractor. However, some insurers provide extensions to the workers’ compensation policy and add contractual employees.
In case of self-harm:
If a worker is found guilty of any self-inflicted injury, he is not eligible for compensation. For example, suicide is a self-harm act and does not cover under the policy.
Injury caused by the terrorist attack:
A terrorist attack is not in anyone’s control, and thus, an employer is never considered liable. The policy excludes any injury caused at the office premises due to any terrorist attack. However, the employer can buy terrorist damage insurance beforehand to cover a situation like this.
Workers’ compensation policy excludes any occupational diseases like silico-tuberculosis, Pneumoconiosis, bagassosis, acute pulmonary oedema, etc. However, these could be add-ons as extensions by some insurers.
Railroad employees, Federal employees, and Maritime workers:
Work-related injuries to federal employees fall under a separate federal workers’ compensation program. Railroad employees and maritime workers also have separate contracts for compensation. Railroad employees do not have a workers’ compensation system.
They must prove their employer’s negligence resulted in the injury – but workers in the maritime industry have a federal version of standard state workers’ compensation.