Workers’ compensation is a form of insurance that replaces lost wages and pays for medical and chiropractic care for people injured on the job. It typically covers a number of injuries that can happen to nearly any worker. These injuries may occur as a result of a slip and fall accident, tripping over a hazard or on an unsafe surface, or falling off a ladder. For some workers, workers’ compensation will cover injuries that happen while the worker is driving or traveling as part of his or her work duties.
Musculoskeletal disorders affect a person’s muscles, bones, joints and connective tissue, such as tendons and ligaments.
A number of musculoskeletal disorders can keep a worker off the job, including:
- Sprains, strains, and tears
- Back pain
- Neck pain
- Carpal tunnel syndrome and other repetitive stress injuries
- Headaches and migraines