While employed with a company in Minnesota, you might think that you’re covered at any time if you’re injured. Although this is true in many situations, there are some accidents that typically aren’t covered by workers’ compensation.
If you’re on the clock and traveling from one location to another for business purposes, then an injury sustained while commuting can sometimes be covered. However, workers’ comp doesn’t usually cover injuries in accidents that occur on your way to work or on your way home. This is because you’re on your own time and could go to other locations or complete other errands that aren’t work-related.
Breaks or lunch
While you’re on the clock and leave your place of employment for lunch or to take a break, any injuries that occur might not be covered under compensation regulations. Keep in mind that you could still be on the clock and leave the workplace and be injured, which would also result in the injuries not being covered by workers’ comp. If you stay in the cafeteria or break area and an injury occurs, then you might be able to file a claim.
If you decide to play around at your place of employment whether it’s with another worker or with the equipment in the business, then any injuries that you sustain likely won’t be covered. Keep in mind that if your employer encourages or does not have any issues with this type of behavior, then it’s possible that you could be covered.
Many injuries that occur during your employment are eligible for workers’ compensation with a few exceptions that are typically caused by your own actions or that occur on your own time.