5 Common Workplace Injuries in Australia

by Jeremy

What should I do if I’m injured at work?

Since workplace injuries are often unexpected and happen suddenly, it’s important to be prepared for any accidents before they happen. Having income protection insurance can be the major difference between financial security and financial ruin after a work-related accident. Income protection insurance can cover up to 75% of your taxable income for the time that you are out of work due to an injury. Depending on your policy, your disability benefits may differ whether you have a short-term disability or a long-term disability. If you’re the sole income earner for your household, income protection is critical. Even if you don’t have any dependents besides yourself, you will still need an income to cover medical expenses along with your regular bills.

It’s important to compare disability insurance policies before choosing the appropriate one to ensure that you get the best benefit amount with low deductions and premiums. Some factors that determine your disability insurance coverage depend on your own occupation, age, lifestyle, income, and health. You’ll also need to choose between weekly and monthly benefits for your disability income insurance. There are also long-term disability insurance policies that are useful if you become permanently disabled and need long-term income protection. Finding the right insurance company with the best disability benefits and affordable premiums is essential. Having low monthly premiums means that your wallet won’t be hurting in the meantime but also gives you the peace of mind that you’ll be able to cover any future expenses following an accident with your disability insurance.

Knowing the risk factors of your own occupation is also beneficial for choosing medical insurance and income protection insurance. If you work in a low-risk field, you won’t want to overpay on premiums for a policy with more coverage than you need. If you work in a high-risk atmosphere, it may be worth paying higher premiums if it means more coverage and smaller deductibles when you make a claim. For reference, here are some common work-related injuries and the fields in which they are likely to occur.

Sprains

In the manufacturing industry, sprains are the most common workplace injury. This is due to excessive repetition and excessive force being two of the leading causes of sprains. If your workplace doesn’t enforce safety practices for heavy lifting and body mechanics, this could lead to pretty severe sprains and strains. When lifting heavy objects, it’s best to follow safety protocol by using good body posture, hydrate frequently, and get enough body rest when you’re not at work. Implementing these simple practices can greatly reduce your chances of developing a sprain.

Fractures

img

Fractures are more common in labor-intensive industries and among older workers. As we age, our bones can become weaker. So, if you’re working a demanding and laborious job, it’s important to take care of your body and work safely to prevent fractures. Exercising regularly, keeping your back straight when lifting heavy objects, and wearing supportive shoes can greatly lower your chances of sustaining a fracture at work.

Open Wounds/Cuts

img

Cuts and abrasions are common injuries in manufacturing and food service jobs. When you are working in a fast-paced environment with many sharp objects, accidents do happen. You can take precautions, like wearing cut-resistant gloves when using a knife and even taking a training course for knife handling. If you work in this environment, it’s important to go over essential safety procedures with your managers to know what to do in case of an emergency.

Hearing Loss

img

Hearing loss is one of the most common workplace injuries. Especially if you work in construction or manufacturing where you are constantly surrounded by noisy machinery, as we age, we naturally experience hearing loss, but working in extremely loud environments can exacerbate hearing loss and even speed up the process. It’s crucial to wear protective gear if you’re working in an environment where noise levels are potentially dangerous.

Hernia

Similar to sprains and strains, hernias can occur when we don’t follow the best practices for lifting heavy objects or carrying out other laborious tasks. Most people believe that hernias are caused by one traumatic or strenuous event, but this is actually uncommon. Hernias are most commonly developed over time, just like sprains. If you use good lifting posture and body mechanics, you can prevent gradual development.

Related Posts

Leave a Comment