Workers’ compensation is supposed to be there for people who are hurt on the job. In most cases, employers do their due diligence and obtain the insurance that is required. Sometimes, they don’t.
When an employer does not carry workers’ compensation, it can cause a serious problem for an injured employee. On top of that, the employer can face lawsuits, criminal charges and fines.
How do you know if you’ll qualify for workers’ compensation?
In most workplaces, you’ll see a chart or poster with information about where to file a claim. It might be in your breakroom or in an office. If you don’t see the information, ask your employer.
Certain people do not qualify for workers’ compensation. For example, independent contractors are not employed by their client, so they would not be covered by workers’ compensation if they were injured while at work.
Some other kinds of workers may also not be covered. Some examples include:
- Seasonal workers
- Agricultural workers
- Domestic workers
- Undocumented workers
Although these people may not be covered, it’s always a good idea to ask. Sometimes, even these classes of people will be protected due to other factors in the workplace.
What should you do if you’re hurt and your employer does offer workers’ compensation?
When you’re hurt, let your employer know. They should help you file a claim. The claim will contain information about the incident and your injuries. If your claim is denied, then you can turn to your attorney for help with an appeal, so you can seek the compensation you deserve.