Workers' compensation insurance covers employees for injuries or illnesses that arise out of or in the course of their employment. However, you might wonder what happens if you are injured at a workplace event, such as a holiday party, a team-building activity, or a company picnic.
Eligibility for Workers' Compensation
Your eligibility for workers' compensation during a work-related event depends on a variety of factors. There is no definitive rule that applies to all situations, but there are some factors that can help determine whether an injury at a workplace event is work-related or not, these can include, but are not limited to:
The Degree of Employer Involvement
It may be considered work-related if the employer organizes, sponsors, or pays for the event. However, if the event is voluntary, informal, or initiated by the employees, it may not be considered work-related.
The Location and Time of the Event
If the event takes place on the employer's premises or during regular working hours, it may be considered work-related. However, it may not be considered work-related if the event occurs off-site or outside normal working hours.
The Purpose and Nature of the Event
If the event has a clear business purpose or is related to the employee's job duties, it may be considered work-related. However, if the event is purely social or recreational, it may not be considered work-related.
The Employee's Conduct and Expectations
It may be considered work-related if you were acting within the scope of your employment or following the employer's instructions. On the other hand, if you were engaging in risky or illegal behavior or deviating from the employer's policies, it may not be considered work-related. However, workers' comp does not take into consideration whether you were negligent. As long as the behavior was within the scope of your employment, you may be covered as long as you were following the law.
Other Factors Can Come Into Play
These factors are not exhaustive and may vary depending on the specific circumstances of each case. Therefore, it is essential to consult with an attorney if you have any questions or doubts about your eligibility for benefits after an injury at a workplace event. Otherwise, your employer might not take your injuries seriously or the insurer may try to deny your claim.
Protect Your Rights Through a Workers' Compensation Policy
Workers' compensation insurance can provide employers and employees valuable protection and peace of mind. However, it can also be complex and confusing, especially regarding injuries at workplace events. That's why you need a trusted partner who can guide you through the process and advocate for your rights.
For more information, reach out to a workers' compensation lawyer near you.