Am I covered twenty-four (24) hours per day, seven (7) days per week?
A. No. Unlike regular health or dental insurance, workers’ compensation insurance only protects you while you are performing job-related duties for your employer. Generally, you are covered from the time you arrive at work until the time you leave. In other words, you are covered only during the period of employment. There are certain exceptions to this general rule. For example, you may be covered: while going to or from work if transportation is provided by the employer; when you are required to return to work after normal work hours; or when the only way in or out of your workplace is inherently dangerous and is maintained by your employer.
