Under what condition would an employee typically file a workers' compensation claim?

An employee would typically file a workers' compensation claim when they have a workplace-related disability. Workers' compensation is specifically designed to provide benefits to employees who suffer injuries or illnesses that arise out of and in the course of their employment. This could include injuries sustained while performing job duties, exposure to harmful substances at work, or conditions that develop as a result of the work environment.

In contrast, illnesses not related to work would not qualify for a workers' compensation claim, as the system only covers those conditions directly tied to employment. Similarly, accidents that occur during commuting are generally not covered by workers' compensation since they happen outside the scope of employment. Unpaid medical bills can arise from various situations but do not specifically relate to the eligibility criteria for workers' compensation benefits. Therefore, the appropriate scenario for filing a claim is when the disability is directly connected to the employee's job.