Cumulative Trauma Disorder

What Does Cumulative Trauma Disorder Mean?

Cumulative trauma disorder (CTD) is an injury to the musculoskeletal and nervous systems, typically resulting from repetitive tasks, forceful exertions, or sustained awkward positions. It is also referred to as a repetitive strain injury (RSI).

Insuranceopedia Explains Cumulative Trauma Disorder

Cumulative trauma disorder (CTD) occurs due to excessive wear and tear on tendons, muscles, and nerve tissue.

CTD is an ergonomic injury that can affect workers across various industries, both blue-collar and white-collar. Employees who develop CTD as a result of their job duties may be eligible to file workers’ compensation claims. For business owners, the risk of CTD claims is one reason to review business insurance coverage as a whole. Workers’ comp pays for the medical bills and lost wages in CTD cases, while general liability insurance covers separate risks like customer injuries or property damage.