Answer to Question 1
Workers' compensation benefits are owed only when the injury arises out of employment (AOE), or occurs in the course of employment (COE). When employees are injured undertaking work prescribed in their job description, work assigned by a supervisor, or work normally expected of employees, they fall into the AOE category. Sometimes, however, different circumstances determine whether the same type of accident is considered to be AOE.
Answer to Question 2
What constituted an accident varies from state to state. However, all original definitions had in common the characteristics of being sudden and unexpected. Over the years, the definition of an accident has undergone continual change. The major change has been a trend toward the elimination of the sudden characteristic. In many states, the gradual onset of a disease as result of prolonged exposure to harmful substances or a harmful environment can now be considered an accident for workers' compensation purposes.
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