When Is COVID-19 Work Related?

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LIABILITY FOR COVID-19

In workers' compensation, the term "injury" is broadly defined to include "any injury or disease arising out of the employment." (Lab. Code, § 3208). An injury may be compensable if it causes "disability or the need for medical treatment." (Lab. Code, § 3208.1). Pursuant to Labor Code § 3600(a), employers are liable for an injury "arising out of and in the course of employment ...." This requirement is commonly abbreviated injury AOE/COE. An injured employee has the burden of proving injury AOE/COE.

As discussed in the next section, nonoccupational diseases are generally not covered by workers' compensation. Furthermore, workers do not normally pursue workers' compensation claims for nonindustrial diseases. When an employee suffers from the common cold or flu, for the most part, the symptoms are minor. The employee does not require formal medical care and fully recovers after a few days of rest. Employees often use sick days for nonoccupational diseases, because there isn't any real incentive to pursue a workers' compensation claim.

COVID-19, on the other hand, is a minefield in terms of workers' compensation liability for an employer. It is a much more devastating disease and is more lethal than the common flu. While the vast majority of those who contract the disease will survive, many survivors require hospitalization and emergency medical care. Moreover, even if a COVID-19 patient does not require formal medical care, current state and federal guidelines preclude that employee from returning to work with the disease. Thus, employees who contract COVID-19 have a far greater incentive to pursue a workers' compensation claim, because it could potentially result in extended time off work, expensive medical bills, and in the worst cases, death.

An employee has multiple ways of establishing that he or she contracted the coronvirus at work. Moreover, even if the employee cannot establish the coronavirus exposure was industrial, the employer could be liable for the employee's death or increased disability if some other employment condition was a contributing cause of the death or disability.

Beyond liability for injury or death resulting directly from industrial exposure to the coronavirus, employers could potentially be liable for other injuries related to the COVID-19 crisis. Work from home and other measures adopted in response to COVID-19 could open employers to liability for workers' compensation claim. The various ways an employer could be liable for injuries caused by the coronavirus are discussed in this chapter.