Workers Compensation Newsletters

Injury While in the Course of Employment

Workers' Compensation Eligibility

Corporate Executives and Partners

Depending upon an individual's position within a company, he may or may not be covered by workers' compensation. Generally, it is "employees" who may claim workers' compensation benefits. Officers, such as a chief operating officer, president, corporate secretary, or chief financial officer, are usually covered just like regular employees. However, if such an officer gains a controlling ownership interest in the corporation, workers' compensation coverage may be lost. This is because the corporation has essentially become the alter ego of the officer and vice-versa. If workers' compensation coverage was still to be extended to the officer in such a situation, it would be like calling the officer both the employer and the employee. For coverage to be affected, some states require that the officer serve on the corporation's board of directors in addition to owning shares in the corporation.

Employee Susceptibility to Occupational Disease

Every employee brings his own idiosyncrasies to his employment. This includes pre-existing weaknesses, hypersensitivities, and other susceptibilities that could impact the employee's health. The minority rule in workers' compensation coverage is that there is no recovery for an occupational disease where a pre-existing condition, such as asthma, contributed to the resulting disease. The minority states consider the disease to be the result of the employee's own innate susceptibility rather than to the peculiar conditions of his employment.

Effect of Incarceration on Social Security Benefits

An individual who resides in a penal institution such as a jail or prison for a full calendar month can no longer receive Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) benefits. Individuals who are incarcerated must notify the Social Security Administration (SSA) of their changed status with respect to the incarceration. Payments that are received in the face of a jail term lasting longer than a month will be considered overpayments and must be repaid. Though a prisoner's social security benefits are suspended while he remains incarcerated, the payment of benefits to his eligible family members will be unaffected. With respect to SSDI benefits, individuals who are in jail awaiting trial will continue to receive their benefits until such time that they are convicted.

Traveling Employees

Generally, if an employee is required to travel as a part of his employment, he is covered by workers' compensation for the duration of the trip. There is a distinct exception to this rule when the employee markedly departs from the business trip to attend to a personal matter. In those jurisdictions following the majority rule for compensability above, an employee will usually be covered for an injury resulting from, for example, sleeping in a hotel or eating in a restaurant.