Types of CVR
Industrial Accidents
& Recovery
An Industrial Accident is an unexpected or unintended event that causes or results in an injury. Examples of an accident include slips and falls, injuring the back from lifting something heavy, being struck by falling objects, getting cut with sharp objects, stepping on a nail, among many others.
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Harmful Exposure
Builder
A harmful exposure is any disease or illness that arises in the course of employment. It is a nontraumatic harm which often results from exposure to environmental hazards and freight agents such as bacteria, viruses, germs, poisons, toxins, or from inherent biological or genetic defects.
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Permanent and
Total Disability
In cases where an employee’s injury or illness leaves them with a permanent disability that prevents them from returning to work. The benefit is known as Permanent Total Disability. A claim for Permanent Total Disability can result from an industrial accident, by harmful exposure, or by repetitive injury. For example, a permanent disability resulting a fractured spine, leaving the worker paraplegic and unable to work.
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Repetitive-Injury
Claims
Injuries caused by repetitive trauma are those that arise from performing repetitive activities at work, whether great or small. Examples of repetitive trauma injuries include developing carpal tunnel syndrome from working at a production line, herniating a disk from lifting a ladder every day, developing a shoulder tear by constantly reaching overhead, among many others.
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Burial and
Dependency Benefits
When an employee dies as a result of an accident or exposure, the decedent’s surviving spouse and minor children, and sometimes other qualified dependents, are eligible to receive workers’ compensation benefits, commonly referred to as: “Death Benefits.”
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