Over time, the physical demands of your job can take a toll on your body. If so, workers’ compensation benefits may be payable. We call these types of claims “WEAR and TEAR™” because they develop slowly over time.
Unfortunately, many workers don’t know they qualify for compensation. They are often told that they are “just getting older,” or that workers’ compensation only covers injuries caused by accidents.
The following list represents some examples of industries and jobs with potential WEAR and TEAR™ claims due to repetitive, job related physical stress.
• Almost all construction trade employees/construction labor
• Many casino positions, including food and beverage servers, housekeepers, dealers, EVS/maintenance, HVAC mechanics, etc.
• Medical professionals, including nurses, nurse’s aides, and physical therapists
• Emergency response/law enforcement personnel, including police officers, firefighters, and EMTs
• Trucking and delivery employees
• Secretarial/computer/data entry employees
• Warehouse and retail operations positions, including stockers/material handlers
• Landscaping/excavation and heavy equipment operators
• Utility workers, including cable, telephone, electric, etc.
• Highway maintenance and service industry employees
Parts of the body which are at risk for potential WEAR and TEAR™ claims include
• Neck – especially disc abnormalities, operated or unoperated
• Low back – especially disc abnormalities, operated or unoperated
• Shoulders – including rotator cuffs, impingement, and labral problems
• Hips – osteoarthritic and degenerative conditions
• Knees – including internal derangement, meniscal lesions, and osteoarthritis
• Hands – including osteoarthritis, carpal tunnel syndrome, and de Quervain’s and trigger fingers
These are just a few examples of the many potential WEAR and TEAR™ claims.
The benefits payable for WEAR and TEAR™ claims are identical to accident related workers’ compensation benefits.