On-the-job injuries are injuries that occur while a worker is performing his or her job activities, regardless of the industry or the type of job. Work injuries typically fall into one of three categories:

Specific incidents such as a fall from scaffolding or being struck by an object.
Repetitive trauma such as typing that leads to carpal tunnel syndrome.
Occupational exposure such as inhaling toxic fumes or substances.

Statistics indicate that nearly six million private sector workers are injured annually while on the job. Depending on the severity of the injury, many workers require light or restricted duties. Others are forced to miss multiple days of work to recover, resulting in lost wages. When medical bills associated with their injuries begin coming in, the combination of both physical and financial strain can create more problems.