When you are hurt at work in an accepted case, you are entitled to receive payment of benefits for an “injury by accident” or an “occupational disease.” To be covered, an “accident” must (1) occur at work or during a work-related function; (2) be caused by a specific work activity; and (3) happen suddenly at a specific time (most injuries incurred gradually or from repetitive trauma are not covered, although diseases caused by repetitive trauma may be covered).

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For an occupational disease to be covered, it must (1) be caused by the work; (2) not be a disease of the back, neck, or spinal column; and (3) be supported by medical evidence.

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