Does Workers Compensation Cover Allergic Reactions?

Workers comp may cover treatment for an allergic reaction, but the details of the case will likely determine the fate of your case.

Worker’s compensation benefits are meant to help injured workers get medical treatment without the financial pressure of paying for it. It’s an insurance policy that most employees in Missouri must carry.

The program may cover treatment for an allergic reaction, but the details of the case will likely determine the fate of your case.

workers comp for allergic reaction

When Allergic Reactions May Be Eligible for Workers Compensation

Missouri worker’s compensation program does not explicitly exclude any form of injury or illness from eligibility. Instead, it mentions that the worker’s medical condition must be a direct result of their work activity or environment.

In other words, your allergic reaction must be work-related. What does that mean exactly?

To get worker’s comp benefits for an allergic reaction, you may have to create a link between your job and the reaction itself. Here are some instances where allergic reactions may be compensated:

  • You are a kitchen worker that must taste the food, and get an allergic reaction from it
  • Your employer brought food, or you eat in the office cafeteria
  • You come into contact with a new substance at work (such as new cleaning products)
  • You work outdoors and get bitten by an insect, or make house calls and come into contact with a client’s pet
  • Your boss brings new plants in the office
  • You work in an environment with a lot of dust, mold, or fumes, etc.

In other words, if the allergic reaction occurs because you come into contact with an allergen because of your job, then you may file a worker’s comp claim and receive medical treatment for it.

When Compensation May Not Be Possible

The severity of your allergic reaction may be a factor in your case. For instance, if you only get a rash that may go away in just a few days, but do not require medical treatment, then worker’s compensation may not even be needed. Instead, your boss can remove the allergen or temporarily allow you to work somewhere else until you get better and they can properly clean the space.

You can also be denied if your allergic reaction occurred in any of the following circumstances:

  • On your way to and from work (neither are covered by Missouri worker’s compensation)
  • Because of the food you brought from home, or food you ordered yourself
  • Because of an allergen you come into contact at home
  • During breaks, particularly those where you leave your place of employment

Frequently Asked Questions

What is workers’ compensation and how does it relate to allergic reactions at work?

Workers’ compensation is a form of insurance that provides wage replacement and medical benefits to employees injured in the course of employment. If you experience an allergic reaction due to conditions or substances in your workplace, you may be eligible for workers’ compensation benefits.

Can I receive workers’ compensation for an allergic reaction?

Yes, if you can prove that the allergic reaction was work-related, typically through exposure to chemicals, materials, or environmental conditions directly linked to your workplace, you may qualify for workers’ compensation benefits.

How do I file a claim for an allergic reaction under workers’ compensation in Missouri?

Filing a claim involves reporting the injury to your employer, seeking medical attention, and possibly filling out a workers’ compensation claim form. Documentation from healthcare providers that links your allergic reaction to workplace exposure is crucial.

What is the allergic reaction compensation amount I can expect through workers’ compensation?

The compensation amount for an allergic reaction can vary based on the severity of the reaction and its impact on your ability to work. Benefits typically cover medical expenses and a portion of your lost wages. For a more specific estimate, consulting with a workers’ compensation attorney can be beneficial.

Are there limits to the coverage for treatment of allergic reactions under workers’ compensation?

Coverage for medical expenses generally includes all reasonable and necessary treatment related to the allergic reaction, as long as it is proven to be work-related. However, there might be limitations or guidelines on certain types of treatments or medication, depending on the specifics of the workers’ compensation policy.

St. Louis Workers Compensation Attorney

If you’ve had an allergic reaction at work and aren’t sure if you are eligible for compensation, reach out to a St. Louis workers’ comp attorney as soon as possible. They can determine if your allergic reaction is work-related, as well as ensure you ultimately get the benefits you are entitled to. 

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