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These things may not be covered by workers’ compensation

Fortunately, men and women who work in the state of Iowa have many great benefits that come with employment. Workers’ compensation is one of the most important of these benefits. Workers’ compensation is a form of insurance that provides medical coverage and wage replacement should an employee suffer a workplace injury or illness. However, there are a few things that are excluded from workers’ compensation coverage.

Commuting

When it comes to traveling to and from work, the “coming and going” rule applies. This means commuting to and from a workplace is considered outside the scope of an individual’s employment. So if an employee is injured in a car accident while commuting to work, he or she will not be eligible for workers’ compensation.

Recreation

Many workplaces offer team building exercises, social gatherings and recreational opportunities for their employees. These may be events like company picnics or holiday parties. Injuries suffered at these events might not be covered by workers’ compensation. However, the employee would be covered if his or her attendance was required by the employer or if the event occurred on the employer’s premises during business hours.

Fighting or horseplay

Things such as practical jokes or horseplay are considered to fall outside of the scope of employment. Because of this, injuries related to these things are usually not covered by workers’ comp. Similarly, injuries from workplace altercations or fights are also excluded from workers’ compensation coverage.

The rules and exceptions surrounding workers’ compensation insurance vary by state and are often quite confusing. This is why any individual in Iowa who has questions about workers’ compensation benefits may want to consider contacting a legal representative. A knowledgeable and experienced attorney can clear up confusion and provide much-needed guidance.