When New Jersey workers are injured on the job, the loss of wages can be devastating for their families. At the same time, the loss of productivity from the injured workers takes a financial toll on businesses. Here are the top four reasons why people end up filing workers’ compensation claims:
#1: Bodily reactions
Bodily reaction injuries are the most common cause of workers’ comp claims. A bodily reaction injury is often the result of heavy lifting, repetitive motion or improper bodily mechanics. Overexertion from performing the same tasks repeatedly without breaks often leads to a bodily reaction injury.
#2: Slips, trips and falls
Slips, trips and falls account for more than one-quarter of all work-related injuries. These accidents can happen in a busy construction zone or a quiet office. Cluttered walkways and uneven flooring is usually to blame for slips, trips and falls. Hazards like liquid spills and dim lighting can also cause these types of accidents.
#3: Contact with equipment and objects
Contact with work equipment and objects is almost as common as slips, trips and falls. Wearing appropriate personal protective equipment when using machinery may prevent these types of accidents. Employers may also mitigate the risks of working with hazardous machinery by creating guardrails and buffers.
#4: Transportation accidents
Work-related transportation accidents often occur while workers are traveling to and from work sites or on their way to a work event. Construction workers who are operating work vehicles can also be injured in transportation accidents on the job.
Is your injury compensable?
Workers’ comp insurance covers injuries that are sustained at work, regardless of who was at fault. While there are some exceptions for accidents caused by horseplay or intoxication, most work-related injuries are compensable. If you were injured at work, you may be able to claim your lost wages and medical expenses.