Questions:

• What is workers' compensation?
• Does workers' compensation cover just my medical bills?
• Are all on-the-job injuries covered by workers' compensation?
• Does workers' compensation cover only injuries or does it also cover long-term problems and illnesses?
• Do I have to be injured at my workplace to be covered by workers' compensation?
• Are all employees covered by workers' compensation?
• Can I be treated by my own doctor and, if not, can I trust a doctor provided by my employer?
• Can I ever sue my employer in court over a work-related injury?

Answer:

Does workers' compensation cover only injuries or does it also cover long-term problems and illnesses?

Your injury need not be caused by an accident -- such as a fall from a ladder -- to be covered by workers' compensation. Many workers receive compensation for injuries that are caused by overuse or misuse over a long period of time -- for example, repetitive stress injuries such as carpal tunnel syndrome or chronic back problems. You may also be compensated for some illnesses and diseases that are the gradual result of work conditions -- for example, heart conditions, lung disease, and stress-related digestive problems.  For more information on repetitive stress injuries, see the Nolo article Repetitive Stress Disorders: The Basics.