What Happens if my Employer Does NOT have Workers' Compensation Insurance?

Work injuries occur all the time and every employer is required to carry workers' compensation insurance to cover any employee who may be hurt on the job. But, even though employers are required to carry workers' compensation insurance does not always mean that they do. You may be wondering, what happens if you are injured at work and your employer does not have the proper insurance to cover your injuries. No need to worry because you can still recover the compensation you deserve.

Once your workers' compensation claim is filed, the workers' compensation commission will send a letter to your employer notifying them about their injured employee and the fact that they do not have the required insurance. Your employer is given a certain number of days to provide compensation for their injured employee or face a fine. Then, your claim will proceed under the Uninsured Employers Fund (UEF). The claim will go through the same process as any other workers' compensation claim. Once a settlement is reached, another letter will be sent to your employer letting them know that a settlement has been reached and the letter asks your employer if they are going to contribute to paying some or all of your medical bills. Your employer will then be fined again because of their failure to have workers' compensation insurance.

If you've been injured on the job, always remember to immediately report your injuries to your employer and seek medical attention for your injuries. If your employer does not have the required workers' compensation insurance, do not worry, you will still be able to receive compensation for your injuries. Call Portner & Shure today for a free workers' compensation consultation: (301) 854-9000, (410) 995-1515.