What is Not Covered by Workers’ Compensation Insurance

workers compensation in portland, orWorkers’ compensation in Portland, OR, covers most work-related injuries. However, there are some exceptions. It is a good idea to be aware of on-the-job actions that can void your workers’ compensation benefits.

They can include:

Illegal Activities

Workers’ compensation insurance policies do not cover illegal activities on the job.

Policy Violations

Company policy, procedure, and protocol violations mean an employee cannot benefit from workers’ compensation.

Intoxication or Illegal Substance Use

When Illegal substance use or intoxication is the sole cause of the injury, it is generally not covered.


Any acts considered horseplay and not within the scope of the job would not be covered. However, if an employee not involved in the horseplay is injured, that person may be eligible for medical and wage loss benefits.

Driving to/from Work

Although it would be nice, your commute is not covered by workers’ compensation because it is not during the course of your work.

Intentional Acts

An intentional act that causes a workplace injury or illness is not covered.

Terminated Employees

If you have been laid off or terminated, coverage will not apply unless the injury predates the job loss.

No matter what the circumstances, it is always best to speak to a lawyer to ensure you get the coverage you deserve.