What If My Employer Does Not Have Workers Compensation Insurance

Workers’ compensation is a legal system designed to help employees who are injured on the job get paid for their injuries. While workers’ compensation does not cover personal injuries, it can help someone with severe injuries that originate at work.

Many employers offer workers’ compensation insurance as a additional insurable entity. This allows the employer to legally cover themselves against claims as they would be paid by the government through workers’ compensation.

Without insurance, you could potentially face a long period of time without work while you recover from your injury. Even if you could find work, your wages would likely be in low hundreds of dollars per month for some time after you returned to work.

This article will go over some information about what insurance is and how to find one that fits your needs.

Get medical attention

what if my employer does not have workers compensation insurance

Even if you don’t have Workers Compensation Insurance, you should still get medical attention if you are hurt at work. You can do this either by taking your employer to the doctor or by yourself to the doctor if your injury was at work.

You can go to the doctor any time of the year, even during working hours. In fact, many doctors even do medical visits during working hours.

The good news is that almost every hospital has a clinic where you can go and get medical attention without any wait time.

Contact the workers compensation office

what if my employer does not have workers compensation insurance

If your employer does not have insurance, you should contact the workers compensation office to see if you can be covered. This is important as even if your employer does not have insurance, you still could be entitled to paid sick time due to injury.

To find the workers compensation office in your city, go to www.wcwa.gov and enter your city or town code.

Keep medical records

what if my employer does not have workers compensation insurance

Even if your employer does not have worker’s comp insurance, you still need to keep medical records from any injuries you may have while on the job. This includes recording any falls, burns, or other injuries.

You also want to be able to prove in case of emergency that you are injured and need treatment. In case of a lawsuit, a doctor’s letter can be useful in proving your injury happened while at work and working caused symptoms.

As mentioned before, a doctor’s note is helpful in proving an injury occurred at work and needing treatment. If a doctor does not write an injury report for something like a fall, then law enforcement will probably not consider it as an accident.

Having medical records from all jobs can help prove someone’s claim of being injured at work and needing treatment.

Discuss your options with a lawyer

what if my employer does not have workers compensation insurance

Having no insurance can be a scary thought. You might not be able to go to the doctor or hospital if an incident happened at work.

This is why it is important to get it covered by an employer-provided plan. If your company does not have a plan, you can ask your supervisor for her pants’ length notebook and plenty of stamps to put in it.

It is better to be prepared than to be forced to rely on another person or institution. There are many sites that provide free insurance options for workers’ compensation coverage. Look into them and see if you have options.

If you do need medical treatment, discuss this with your employer and see if there are any rules or procedures they must follow.

File a claim with the workers compensation office

If your employer does not have workers compensation insurance, you can file a claim with the workers compensation office. This allows your employer to pay you while you are injured on the job.

To do this, you must first contact the worker’s compensation office and ask for a claim form. Then, you can bring your documentation to the workplace to prove your injury.

Once your claim is approved, you will be paid through your company bank account or through an insurance company that covers your employer’s staff. It is important to note that this money may not be applied to your medical bills, but may go into general fund of the insurance company.

This process may take several weeks to approve and receive payment, so plan ahead.

Receive lost wages

what if my employer does not have workers compensation insurance

If your employer sustains an injury on the job, they may be required to pay you lost wages for up to 30 days after you are unable to work. Your employer can use any portion of your wages to cover this.

Many employers do not have workers compensation insurance, making receiving lost wages a little tricky. However, if the employer does not have insurance, then the employee does!

If the employer pays out all of the employee’s wages, then there is no lost wages issue. If the employer doesn’t pay out all of the employee’s wages, then the employee may have to take a little extra time to get their earnings together.

Receive compensation for injuries

what if my employer does not have workers compensation insurance

Even if your employer does not have workers’ compensation insurance, you still can receive compensation for injuries. There are a few ways to get compensation for injuries, including:

Claims handling companies. Many hospitals, community clinics, and emergency rooms have claims handling companies. These companies gather information from both you and your employer about the injury, and they determine who was responsible for the injury based on that information.

Claims processing companies. If you cannot claim against a company or person you believe responsibly handled your injury, the claims processing company can sue on your behalf. Many charge between $150 and $300 per case to do this, so it is not an easy decision to make to pay more money than needed.

Personal injury lawyers. If you do not have strong personal attorney skills, you can hire a personal attorney to help with this. A personal attorney typically charges between $500 and $1000 per case depending on the situation.

Protect your right to receive benefits

what if my employer does not have workers compensation insurance

You should always be prepared to claim your benefits if you are injured on the job. Even if your employer does not have insurance, you can still claim benefits.

Congress passed the Worker’s Compensation System to help protect workers who were injured on the job. It sets a minimum level of coverage that employers must have in order to hire someone.

Worker’s Compensation is a state program, so each state has its own laws regarding who is covered and how they bill injuries. While it may not be your priority, escaping an accident before claiming benefits would put yourself and others at risk.

A central element of Worker’s Compensation is treating workplace injuries as accidents. This includes having access to treatment and emergency room care if you are hurt on the job. As soon as you are treated, emergency room staff determines if you need a second opinion before giving you pain medication or surgery.

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