In a Workmen’s Compensation policy, what is the difference between fatal and non-fatal accidents?

A workmen’s compensation policy is mandatorily prescribed by law for all organisations which employ workmen for their business operations.  They are required to protect their workmen against physical or physiological injuries or death suffered during the course of employment. In case the employee faces death, disablement or injury due to the nature of his/her work, the employer would be liable to pay a compensation for the contingency suffered by the employee. A workmen’s compensation policy covers this liability faced by the employer and pays the compensation to the unfortunately injured employee or the deceased’s workman’s heir.

A workmen’s compensation policy covers the following instances of claims –

  • Accidental death
  • Permanent total disablement
  • Permanent partial disablement
  • Temporary total disablement
  • Diseases suffered by the employee due to the nature of work
  • Any other type of personal injuries suffered due to work

These injuries, death and disablements should have occurred due to an external, violent and unforeseen accident. Only if the employee faces any physical injury due to accidental causes does the claim under a workmen’s compensation policy arise. There are two types of accident which might occur – fatal and non-fatal.

A fatal accident is one where there is death, or a high risk of loss of life of the employee. In case of a fatal accident, the employee might die or suffer severe disablements. Non-fatal accidents, on the other hand, are those accidents which don’t have a high probability of death. In the case of non-fatal accidents, the employee or the workman might however suffer disabilities or any type of personal injuries.

Both fatal and non-fatal accidents are covered by a workmen’s compensation policy, provided such accidents result in any of the above-mentioned contingencies. Fatal accidents are taken as those which result in death, or permanent total disablement, permanent partial disablement or fatal injuries. If any of these contingencies occur, the workmen’s compensation policy would pay the claim faced by the company. In the case of non-fatal accidents though, the covered contingencies might not occur. The employee or worker might not face any type of disablement or injury from such accidents. If the employee or workman suffers from a type of disablement and the disablement does not last for more than 3 days, the claim would not be paid. As a result, in many workmen’s compensation policies, non-fatal accidents are usually not covered unless they cause a disablement which lasts for more than 3 days.

Companies should, therefore, understand the scope of coverage offered by a workmen’s compensation policy. They should take note of the types of contingencies covered under the policy to know which types of accidents would be covered. If non-fatal accidents are not covered under the plan, injuries arising out of such accidents would not be covered. However, since non-fatal accidents do not result in major injuries, the company can expect to face a minimal liability, which it can usually pay on its own. 

A workmen’s compensation policy, therefore, covers major instances of accident-related claims which lead to financial distress for the company. Find a range of offerings from SecureNow, with quotes at least lower by 20% than the market and better benefits at our website : click Enjoy the convenience of viewing online quotes from multiple insurers, pay the premium online, and receive the policy online as well. Click on the link today!