- An employee falls on ice, injures herself while walking up the stairs to the office, and requires a visit to the emergency room.
- An employee injures his back lifting a box of office supplies and requires medical attention, medication and physical therapy.
- An employee returning to the office from visiting a client at the lake is injured in a car accident and requires hospitalization for one week.
It’s important to note that workmans’ comp coverage is not a substitute for health or medical insurance, because it covers only work-related employee injuries or illnesses.