Yes, you have to be working. But as long as your injury is job-related, it's covered. For example, you'll be covered if you are injured while traveling on business, doing a work-related errand or even attending a required business-related social function (for instance, playing flag football at a company-sponsored picnic). In general, you will not be covered for injuries sustained while traveling to or from work, during your lunch break (unless , for example, you're "on-call" during your lunch break or on a business lunch) or while playing a basketball game with your work friends on your day off. To recover, you must be injured within the scope of the employment relationship.

(Reviewed 9-08)