Understanding Work-Related Injuries
1. Janet works as a branch manager for a large banking firm. Her job requires her to travel by personal vehicle to different branch offices several times each week. Janet has lower back problems from a result of a skiing accident many years ago, which is further aggravated by long periods of sitting while driving. Janet was returning from the branch office to the home office on Thursday afternoon when another driver struck her car from behind. A physician examined Janet and determined that the accident aggravated her pre-existing back injury. The physician ordered Janet to remain off work for at least two weeks.
a. Is this injury covered under workers’ compensation? YES!!
b. Rationale for your decision: Because even though Janet had a pre-existing back problem the accident that occurred while she was on travel for her job, caused more damage and resulted in her losing time at work as well as pay. c. If covered, identify the appropriate injury category: Injury with Temporary Disability because she is instructed to remain off work for at least two weeks.
2. Frank works as a clerk in a local convenience store with a non-smoking policy. On a personal work break, Frank stepped outside the building to smoke a cigarette. As Frank walked across the parking lot, he slipped on a patch of ice and fell, breaking his wrist and injuring his outstretched hand.
a. Is this injury covered under workers’ compensation? NO!!! .
b. Rationale for your decision: Because although Frank was hurt on the job he was hurt while performing an action (smoking a cigarette) which is not authorized by the store he works for, therefore such an accident will not be covered. c. If covered, identify the appropriate injury category:
3. Tom is an electrician who works for Eagle Electrical Company as an independent contractor. Last Tuesday, the company dispatched Tom to...