Unfortunately, answering this question without knowing the specific details of your policy is impossible.
Generally speaking, here are a few factors that can help you understand what to expect.
Firstly, workers’ compensation policies are supposed to cover the costs of any injury arising during “the scope of employment.” If you are working from home, you are, in many senses, technically within the “scope of employment” during the time of your injury.
But, as with any policy, there are potential exclusions and exceptions.
If, for instance, you were not ordered to work from home and are doing so voluntarily, it’s possible workers’ comp may not want to pay for your injury costs. Some policies may attempt to deny coverage for work-from-home situations, period.
There is also the possibility that the nature of your injury will be scrutinized, considering you (in theory) have control over your work environment at your home. If, for example, your injury occurred because you tripped over an errant dog barreling through the house, the insurance company might deny or defend the claim and seek to avoid covering the situation.
TonaLaw can help you read the language of your policy closely and apply relevant state laws, federal regulations, and past case outcomes to give your case the best possible chance of successful recovery. We fight against insurers who want to deny your claim for whatever reason.
In the event that your workers’ compensation is extremely unlikely to cover your particular injury, we can examine whether other liable parties may be involved. Possible avenues include third-party car insurance, coverage for product liability, and insurance from other potentially at-fault parties.