Does Workers' Compensation Cover Remote Workers?
Many of us are now working remotely and that usually means from home. Does workers compensation insurance cover injuries while working from home?
Who is covered by workers compensation insurance?Generally, anyone who performs any type of work for another under an employer/ employee relationship (as opposed to an independent contractor) is entitled to workers compensation benefits for injuries that arise out of the employemnt relationship and in the course and scope of the employment. So, if your doing work for another person and sustain injury, you would be covered by your employers workers compensation insurance policy, allowing for free medical care and certain wage loss and other benefits.
Are all injuries sustained at home covered by workers compensation insurance?The quick answer is that it depends on the facts of your situation. For example, if you stop working to go to the bathroom and slip and fall in the bathroom, is that injury covered by workers compensation insurance? Most likely yes, since using the bathroom during the course of your work day is reasonably foreseeable and a necessary part of your work day. Falling out of your chair while working would also be covered for the same reason. However, injuries sustained outside your home during work hours, unless this is part of your work, would not likely be covered by workers compensation insurance as leaving the home is for your benefit, not your employers and is not within the scope of your work duties.