{"id":41626,"date":"2020-02-20T19:56:36","date_gmt":"2020-02-20T23:56:36","guid":{"rendered":"https:\/\/ciccarelli.com\/philadelphia-injury-lawyers\/?p=41626"},"modified":"2020-02-18T20:18:04","modified_gmt":"2020-02-19T00:18:04","slug":"workers-comp-insurance-faq","status":"publish","type":"post","link":"https:\/\/ciccarelli.com\/philadelphia-injury-lawyers\/workers-comp-insurance-faq\/","title":{"rendered":"What You Should Know About Workers’ Compensation Insurance"},"content":{"rendered":"

When you go to work each day, you likely do so knowing that you will be taken care of if you sustain an injury on the job. We can usually count on having workers\u2019 compensation insurance. However, there are times when employers fail to carry the required insurance for their employees. According to the US Bureau of Labor Statistics (BLS), there were around 2.8 million workplace injuries or illnesses during the latest reporting year. These injuries occur regularly, and injured workers should be able to count on coverage.<\/p>\n

\"Workers<\/p>\n

Which Employers Are Required to Have Workers\u2019 Comp Insurance?<\/h2>\n

In general, you can assume that all businesses have to have workers\u2019 compensation insurance for their employees. The state mandates that employers carry workers\u2019 comp for all part-time or full-time employees. The only businesses that are exempt from this are those with less than one employee. This includes businesses that hire family members.<\/p>\n

Workers\u2019 compensation insurance in Pennsylvania ensures that injured workers are able to receive coverage of their medical care and lost wages. This coverage also provides protection for employers against lawsuits filed by injured workers.<\/p>\n

What Can I Do If My Employer Doesn\u2019t Have Workers\u2019 Comp Insurance?<\/h2>\n

Finding out that your employer does not have workers\u2019 compensation insurance can be scary. You depend on your job, and you need to have protection in the event an injury occurs. In Pennsylvania, if you suspect your employer is not following workers\u2019 compensation laws, you can contact the Pennsylvania Department of Labor & Industry through their Compliance Section, Bureau of Workers’ Compensation<\/a> at (717) 787-3567.<\/p>\n

If your employer does not have workers\u2019 comp and you have been injured, that does not mean you will not receive compensation.<\/p>\n

In Pennsylvania, the Uninsured Employers Guaranty Fund (the \u201cUEGF\u201d for short) is available to ensure workers can get coverage even if their employer does not have workers\u2019 comp. However, there is a process that needs to be followed in order to get compensation through this fund, and a Pennsylvania workers\u2019 compensation attorney will be able to help you get through this.<\/p>\n

In these cases, you can also file a personal injury lawsuit against your employer. While this process may take longer than a workers\u2019 comp claim, it is still important that you recover compensation for your medical bills and lost income. You should not be on the line for covering work injury expenses, regardless of who was at fault for the injury.<\/p>\n

Injured? Contact Ciccarelli Law Offices in Philly<\/h2>\n

Whether or not to pursue a claim through the UEGF or through a personal injury lawsuit should be discussed with a Philadelphia workers\u2019 compensation attorney<\/a>. At the Ciccarelli Law Offices, we have extensive experience helping clients injured at work secure the compensation they need. This can include:<\/p>\n