Some workers' compensation claims are very clear and severe. According to The Insurance Journal, overexertion (pulling a muscle) and falls are the top sources of injuries on the job. These happen in a single incident, and the bodily harm is usually immediate and undoubtedly attributable to the accident.
Other injuries, however, only show up after a longer period of time. You need to be aware of these less obvious injuries so you can know if you have a workers' compensation claim.
Office employees are not the only workers who develop musculoskeletal disorders, such as carpal tunnel and tendonitis, due to repeated movements. Anyone who does the same task day in and day out is at risk, including assembly line workers, butchers, cashiers, drivers and stockroom workers. If you start exhibiting symptoms of an MSD, seek a medical examination immediately to reduce the chances of the injury worsening.
Does your job constantly expose you to hazardous materials? Over time, you may develop diseases and conditions from handling and/or breathing in toxic substances, such as asbestos, lead, solvents and chemical waste. Possible health effects include:
- Chronic bronchitis
- Nervous system disorders
- Organ damage
- Genetic mutations
- Birth defects
Some toxins have an immediate and local effect (such as skin irritation or a burn), whereas others may remain latent for years while wreaking internal havoc in various parts of your body.
Motor vehicle accidents
If you are a driver by trade or ever have to drive around while clocked in, auto accidents are yet another danger you face. These may seem like obvious workers' compensation claims, but not all auto accidents end in traumatic collisions. Some are minor, yet they still present risk of harm. For example, a simple fender bender can lead to a neck injury or minor brain injury. These lesser injuries may not manifest themselves right away, so it is important to obtain medical attention immediately following any level of a motor vehicle accident and to stay alert for late-showing symptoms.