Who Is Covered By Workers’ Compensation and Who Is Not?

When you’re injured on the job, you may find solace in the fact there’s workers’ compensation to help pay for your medical bills. Unfortunately, this may not be the case for every worker. While most employees have entitlement to coverage, there are some workers who are exempt. Who is covered under workers’ compensation and who is not?

Independent Contractors

If you’re an independent contractor, there’s a chance you may not be entitled to workers’ compensation. Most independent contractors are exempt because of laws within the state, but there are a handful of states that do allow certain contractors to receive benefits. You should contact an attorney to learn whether your state allows compensation for independent contractors.

Exempt Workers

There are certain workers who don’t have access to workers’ compensation. This includes agricultural workers, domestic employees, seasonal employees and other similar professionals. This isn’t the case in every state, so again, it’s important you speak with an attorney if your employment falls under one of these categories.

Employees in a Small Company

Each state has come up with a different requirement for the amount of employees a company must have to require workers’ compensation. If the company is only compiled of two or three employees and your state doesn’t require workers’ comp until a company has at least five employees, your employer may not have coverage. Keep in mind that just because your employer isn’t required to offer workers’ comp, it doesn’t mean your employer definitely doesn’t. If you’re hurt on the job in a small company, speak with your employer to find out if you have coverage.

Federal Workers

The Federal Employment Compensation Act requires workers’ compensation for employees in a federal position. This includes all federal employees who are non-military. If you work for a state or local government, your state workers’ compensation board can let you know what type of coverage you have.

Gaining a Greater Understanding

As someone who was injured at work, you may be facing some serious expenses. You probably have your initial medical bills, possibly some follow up care, and maybe even ongoing care or therapy for the rest of your life. You probably missed work due to your injuries, and there’s a chance you won’t be able to work for a while. If you’ve found yourself in this situation, you may need a greater understanding about workers’ compensation and what you’re entitled to. Contact a work injury lawyer, like from Hickey & Turim SC, to learn more.