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The Daily Insight

What does workers compensation not cover?

Author

Henry Morales

Published Mar 20, 2026

Intentional acts: When a worker intentionally causes their workplace injuries or illnesses, they are not covered under a Workers’ Comp insurance policy. Illegal activities: Employee injuries due to illegal activities at the worksite are not covered by an organization’s Workers’ Compensation insurance policy.

Does workers comp count as continuous service?

The decision means that absences on workers’ compensation leave count towards service and continuous service and the calculation of workers’ entitlements.

What is considered a workers compensation?

Workers’ compensation insurance definition Workers’ compensation provides medical expenses, lost wages, and rehabilitation costs to employees who are injured or become ill “in the course and scope” of their job. It also pays death benefits to families of employees who are killed on the job.

How does workers compensation coverage work?

Workers’ compensation insurance gives your employees benefits if they have a work-related injury or illness. Also known as workers’ comp or workman’s comp insurance, this coverage can help cover your injured or sick employees’ medical expenses. It can also help replace wages from lost work time.

What counts as a break in continuous service?

What can break an employee’s continuous service employment? Unless an exception applies, continuity will be broken when there is a one week (Sunday to Sunday) break between two Contracts of Employments. Events that do not break continuity include: periods of annual leave, sick leave and maternity and paternity leave.

Does furlough count as continuous employment?

Where an employee has been furloughed during the Coronavirus pandemic, the time that they are on furlough counts as part of their continuous employment.

What is break in service rules?

Break in Service means a Plan Year during which an individual has not completed more than 500 Hours of Employment, as determined by the Board in accordance with the IRS Regulations. Break in Service means a period of time in excess of 5 working days when the person is not employed and that severs continuous employment.