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What Happens When Your Employer Doesn’t Have Workers’ Compensation

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After you’ve been injured on the job, it’s highly likely that you will not be able to work for some time. As your medical bills accumulate thanks to your ongoing injury, you will probably find yourself in dire financial straits, struggling to get by like you could when you had a steady income. Most people in these circumstances would rely on their workers’ compensation benefits to help them survive until the time they can return to work. However, not every employer offer workers’ compensation, meaning you could be left on an island of financial uncertainty following your work related injury.

Keep reading to find out what you should do if you’re hurt on the job and your employer doesn’t offer workers’ compensation so that you can live the way you deserve.

Learn the Basics of Workers’ Comp

Almost every state in the country, excluding Texas, requires that employers carry some type of workers’ comp insurance. Sometimes it is offered as a plan the employee pays into through their job; other times it is offered through a third party. However, an employer is only required to carry workers’ comp insurance once they reach a certain size. If you work for a small business, or are not a full time employee, it is possible you could be left without any workers’ comp when you’ve been injured on the job.

Take Legal Action Against Your Former Employer

Depending on the state that you live in, the best way to get compensation after a work related injury may be to sue your employer. When you go through the court system, it is possible that you may get a larger amount than you would through workers’ comp, as many states cap the amount that workers’ comp can pay out. It is also possible that you could get additional recompense if the court finds that you’ve suffered substantial emotional damage or that your injury was caused by employer’s negligence. Suing your employer, if your state allows it, is one of your best options after you’re injured on a job that doesn’t offer workers’ comp.

Petition Your State’s Uninsured Employers’ Fund

Because every employer does not carry workers’ comp insurance, many states have developed a fund that injured workers can take advantage of. If seeking a court settlement is not an option in your state, petitioning your state’s uninsured employers’ fund is one of the other options you can take to help you through your recovery. The payments from this fund may come in the form of partial payments of your lost wages or the covering of certain medical bills. Consult your state’s labor board to see if you’re eligible for payments from this fund.

Apply for Temporary Disability Insurance Benefits

Finally, depending on your state, you may be able to apply for temporary disability insurance. While this is certainly a stopgap measure, it can serve to help you until the time your injury clears up enough to let you work again. Temporary disability insurance benefits are usually short term and insubstantial, so it is important that you get back to work as soon as possible and not count on the benefits to continue long term.

Seek Help from a Qualified Attorney

Whatever recourse you decide on when you’ve been injured on a job that does not offer workers’ compensation, you will need a workers’ compensation attorney to help you get the compensation you deserve, which is why you should hire Harris and Graves, Personal Injury Attorneys. All of our attorneys are knowledgeable in a wide range of personal injury cases, including workers’ compensation claims. Contact us today to find out how we can get you the settlement you need after you’ve suffered a work related injury.