Which type of injury is not covered under a Workers' Compensation policy?

Workers' Compensation policies are designed to provide benefits to employees who suffer from injuries or illnesses that arise out of and in the course of their employment. However, these policies do have specific exclusions, and one of the most common exclusions concerns injuries resulting from an employee's intoxication.

When an employee is under the influence of drugs or alcohol at the time of an incident, it typically negates their entitlement to Workers' Compensation benefits. This is because the policy aims to cover injuries that occur as a direct result of job-related activities, and intoxication can be seen as a personal choice that leads to negligence. In other words, if an employee's impairments contribute directly to their injury, they are often not covered due to the assumption of personal responsibility in those circumstances.

Injuries from workplace accidents, occupational diseases, and repetitive stress injuries all occur in the context of work-related activities and are typically compensable under Workers’ Compensation. These types of injuries are recognized as conditions that can legitimately arise from the nature of the job and the work environment. Therefore, the exclusion related to intoxication emphasizes the importance of accountability in workplace safety and the overall effectiveness of Workers’ Compensation coverage.