Working in certain fields can be difficult and potentially dangerous. That’s why your employer is supposed to have workers’ compensation insurance. If he doesn’t and you get hurt, it can mean that you have to fight a legal battle to get the money you need to care for yourself properly following an injury.
The purpose of workers’ compensation is to make sure you’re covered when you get hurt. With workers’ compensation, you make a claim to the agency, and it approves it. Once approved, your medical bills are covered by the agency. After a period of time, you may begin receiving compensation for missed work, too, although you may have to file separately to receive it.
Your attorney can help you obtain the money you need, even if your employer doesn’t have insurance. Breaking workers’ compensation laws is against the law and can result in fines and penalties for your employer. On top of those fines and penalties, your employer will also be held liable for your injuries and the costs accrued because of them. If you have to sue your employer, you may be able to get compensated for your legal fees, too.
Medical bills can cost thousands of dollars per injury, while workers’ compensation coverage is significantly less expensive to have. There’s really no excuse for your employer not to have this coverage, since it helps keep him or her from being held personally liable for injuries and makes sure you can get the compensation needed for yours. Our website has more on what to do if you have to sue for compensation.