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Who Gets Coverage in Worker’s Compensation?

Who Gets Coverage in Worker’s Compensation

Worker’s compensation can be extremely helpful to cover expenses for any work-related injuries. The benefits provided by this compensation can help you if your injury is preventing you from working and earning your wages. In order to benefit from the worker’s compensation, you should abandon the right to sue your employer. For additional information on who benefits from this coverage, the experts at Riddle and Brantley specialize in helping you understand this often-tricky subject.

Coverage of Worker’s Compensation

By law, any business is required to carry coverage once it has three regularly employed employees in addition to any partners, sole proprietors, LLC members, bearer of a trust or an estate executor. The worker’s compensation provides the following coverage:

Medical Expenses: If an accident occurs at the workplace, the compensation will cover all the costs involved in immediate healthcare, as well as surgical procedures, hospital stays, medical bills, and medication.

Loss of Wages during Recovery: If the employee has suffered serious injuries, they may not be able to resume work immediately. The worker’s compensation covers for such loss of wages caused by occupational illnesses and injuries.

Compensation for Fatal Injuries: If the workplace accident is fatal, the compensation will pay for the funeral expenses and provide death benefits to support the family of the deceased.

Lawsuit Related to Work Injuries: Employer’s liability insurance is usually included in the worker’s compensation insurance. It protects the employer from any lawsuits claiming that the employer’s negligence caused the worker’s injury.

Employees Exempt from Workplace Coverage

Most businesses with three or more employees are required to have a worker’s compensation coverage. However, on certain occasions such as for certain types of railroad employees, domestic servants, federal government employees, commission-based salesperson, casual employees such as independent contractors, and farm laborers where less than 10 laborers are employed on a regular basis, there is an exemption for workplace coverage.

What Happens if your Employer does not have Coverage?

If the business is required to have a worker’s compensation coverage by law but the employer does not have such coverage, then the employer can face penalties such as huge fines, misdemeanor charges, felony charges, or even jail time. Workers caught up in situations without a worker’s coverage can sue the employer in court. In such circumstances, the worker can seek full compensation for injuries without having to worry about any cap restrictions governed by the worker compensation law. The worker is also entitled to claim benefits for any damages incurred by non-economic losses, including pain and suffering.

How can a Good Worker’s Compensation Lawyer help you?

In order to receive the complete compensation that you deserve, it is essential to hire a good worker’s compensation lawyer. Sometimes, workers are mistaken to believe that since they are covered under the law by worker’s compensation, they are automatically eligible to receive benefits. Employers have their own company’s interests in mind and may deny your claim in spite of the injury being a valid work-related injury. Insurance companies on the other hand will protect their own benefits and may deny you the compensation you rightfully deserve for your injuries and sufferings. A knowledgeable worker compensation attorney has the professional experience and expertise to review your case and advise you on the best course of action.

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