How do I know if I’m covered under workers’ compensation?

Hundreds of work-related injuries occur every year in the United States. For most workers, an on-the-job injury means a workers’ compensation payout. However, if you’re not covered by workers’ compensation insurance, then your employer has no legal liability to pay for your injuries. Here’s a brief primer on workers’ compensation in Pennsylvania, and how to know whether or not you’re covered for your workplace injury.

What Pennsylvania’s Law Says

Almost every employee (employees, not general contractors) is covered under workers’ compensation insurance in Pennsylvania. Under the law, employers are required to carry workers’ compensation insurance even if they only have one employee. This includes non-profit companies, and firms that employ seasonal workers.

Those employers who may be exempt from carrying workers’ compensation insurance include the following listed below.

  • Agricultural employers
  • Casual employees
  • Volunteer workers
  • Railroad workers
  • Shipyard and harbor workers
  • Federal civilian employees

The entire law regarding workers’ compensation insurance in Pennsylvania is online. Again, independent contractors who are not considered to be employees are not covered by workers’ compensation insurance.

Ask Your Employer

If you’re unsure whether or not your organization offers workers’ compensation insurance and whether or not it covers you, you may be able to find out simply by asking. Your employer can also provide you with more information regarding what exactly workers’ compensation insurance covers. If your employer does not offer coverage, you may be eligible for another coverage type, and should learn more about the Uninsured Employers Guaranty Fund.

Talk to a Lawyer

If you believe that you should be covered under workers’ compensation insurance because of your employment status but are not, you should bring the issue up with your employer. If no resolution is made, you should discuss your opinion with an attorney.

An attorney should be able to explain the following.

  • Whether or not your employer has a legal obligation to offer you coverage
  • Whether or not you’re an employee or contractor
  • Explain the steps that you can take to get workers’ compensation coverage if you don’t already have it and should
  • Whether or not your boss can fire you for filing a workers’ compensation claim

At Cordisco & Saile LLC, our attorneys can also help you file a claim for workers’ compensation insurance in the event that you’re injured on-the-job, or help you to negotiate for a fair settlement amount. Before paying for your injuries out of pocket when you’ve been in a work-related accident, make sure you learn your rights. To start, call us today for a free case consultation at 215-642-2335