Going to work on a daily basis and doing your best is common practice for many people. While most people will be able to get through the day without any incidents, there is always a chance that you could suffer an injury while you are at work. If you are injured at work, you could incur medical bills, therapy costs, long-term disability, and lost wages.
The majority of employers today will carry some form of workers’ compensation insurance, which is designed to provide coverage to employees in these situations. However, there are always going to be situations when an employer will not carry this type of coverage. This could be due to a lapse in coverage, lack of payment, or simply because it is not required in their situation. If you are injured at work and your employer does not have workers’ compensation coverage, you do still have some legal options to consider.
Check to See If Employer Has Coverage
If you have been injured while at work and have incurred real costs, you should be entitled to support under a workers’ compensation insurance plan. To start the process, you should first check to see if your employer does have workers’ comp insurance. If they do, you can file a claim under their policy. If they do not, you can pursue other avenues to receive support and compensation.
Look Into the State’s Uninsured Employer’s Fund
An option to consider if your employer does not have coverage is to see if your state has a workers’ compensation insurance plan for uninsured employers. Various states across the country have established a fund that is designed to provide support for workplace injuries if an employer does not have coverage. If your state has one of these plans, you should look into how to apply for coverage.
File a Liability Lawsuit
Even though your employer does not have workers’ compensation insurance, it does not mean that they are not responsible for your care. Most employers will have some form of commercial insurance protection that will include a provision for commercial liability insurance coverage. If your employer does not have workers’ comp coverage, they could be covered under this form of insurance. If they are not insured at all, you can still file a claim for damages, which the employer will need to cover out of pocket.
Hire an Attorney
There are a lot of complexities when it comes to workers’ comp insurance. Due to this, having legal support by your side is very important. If you are injured at work, your personal injury attorney can provide a full evaluation of your case and find out what your options for coverage are. They can also help by filing any claims with your employer, insurance companies, or even the state reimbursement programs. Ultimately, they will work hard to ensure you receive fair compensation for your injuries, even if your employer has neglected to carry workers’ compensation insurance.
Categorised in: Personal Injury Lawyer