In Pennsylvania, workers’ compensation has been protecting workers from workplace illness and injury since 1915, when the Pennsylvania Workers' Compensation Act was signed into law. This act requires virtually all employers — including employers operating very small or non-profit organizations — to pay for workers’ compensation benefits for their employees. In the event of a work-related injury or illness, these benefits pay for wage loss, medical costs and other losses.
Do I Need Workers' Comp?
The good news is that if you are a worker, you are (or should be) covered by workers’ compensation. Unlike other forms of insurance, this is not an insurance program you need to apply to or pay premiums for. Your employer is required to get this coverage for you and pay for the coverage. You’re covered even if you are a part-time worker. However, the law carves out exceptions for certain occupations.
If you do not fall into these categories, and your employer has not paid for workers’ compensation coverage, he or she may be in violation of the Pennsylvania Workers' Compensation Act. If you are injured and you are not covered as required by law, you may be able to receive some benefits through the Uninsured Employer Guaranty Fund.
Who Needs Workers' Comp Insurance?
Every worker may be at risk of work-related injuries or illness and, as such, every qualified worker will want to ensure they have proper coverage. The trade, transportation and utilities sectors in Pennsylvania saw the most injuries in 2015, with 41,855 reported injuries. Manufacturing saw 22,291 injuries, but workers in the educational and health services fields reported 45,221 injuries — more than many people would have predicted. Even office workers are at risk. In 2015, 3,628 injuries were reported in the financial sector, and professional and business services saw 12,115 reports of injuries.
Even if you think you are in a “low risk” career, keep in mind the most common cause of injuries in all sectors in 2015 were sprain and strain injuries — and these can happen in offices as well as on construction sites and other traditionally “more dangerous” fields. Check with your employer and your employment agreement to ensure you are covered.
Do You Need Workman's Comp Insurance Assistance?
If you have been injured or have developed an illness due to work and need help with the workers’ compensation benefits process, contact My Comp Lawyers for a free consultation. Whether your employer has failed to secure coverage for you or whether your claim was rejected, our legal team can offer advice and support.