The injury or illness must arise out of employment (AOE) and occur during the course of employment (COE). Examples of on-the-job injuries or illnesses are:

  • Cumulative trauma injury caused by repetitive keyboarding (RSI/musculoskeletal)
  • A broken arm from falling off a ladder
  • Lower back strain from lifting a box or prolonged seating
  • Hearing loss due to ongoing exposure to excessive noise levels

Not a work injury? Here are examples of injuries or illnesses that are not considered work related:

  • Post termination or after notice of lay-off
  • Ordinary commute to or from work (going and coming rule)
  • Off-duty recreational activity
  • Injuries caused by intoxication or drugs (medical evidence)
  • Psychiatric injuries – employee must be employed by employer for at least 6-months and 51% caused by employment (except: violent act, loss of limb, paralysis, severe burn or head injury)