A. Most are. The workers’ compensation system is designed to provide benefits to injured workers no matter whether an injury is caused by the worker’s negligence, or by the employer’s negligence. This “no-fault” system however, has some limits. Generally, injuries caused because an employee is intoxicated or using illegal drugs are not covered. Coverage also is typically denied when injuries are self-inflicted (including starting a fight), when injuries are suffered while a worker is committing a crime, when the employee was not on the job, and when injuries occurred when the worker was violating company policy (typically safety concerns).
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