If you've been injured at work, the last thing you need during recovery is the added stress of medical bills and lost wages. Your employer is generally responsible to cover at least a portion of these costs with workers' comp, easing the burden on you. But does your injury qualify? The workers' comp attorneys of Glacier Law Firm in Kalispell, MT, have provided this checklist to help you find out.
Qualifying for Workers' Comp
1. Were You Injured at Work?
The law applies to all work-related injuries and illnesses, including those which develop over time due to work conditions, and those which happen offsite while you are engaged in employment duties. If your situation is unusual, you may have to consult an attorney—but in general, any injury caused by your work is likely eligible for compensation.
2. Are You a Qualifying Employee?
Generally speaking, the answer is “yes” unless you fall under a specific legal exception. Employers are not responsible for insuring independent contractors and certain types of employees. Domestic employees, those who work only on commission, freelance correspondents, newspaper carriers, and volunteer workers are not required to be covered.
3. Is Your Employer Required to Carry Workers' Comp Insurance?
In Montana, the answer is always yes. However, some employers fail to comply with the workers’ comp insurance law. In that case, you can still receive unemployment benefits through the Uninsured Employer's Fund. You'll receive the same benefits you would have gotten if your employer were properly insured.
If you answered yes to these three questions, or if you need an attorney’s help determining whether you qualify for workers' comp, call Glacier Law Firm today for top-quality workers' comp lawyers. You can reach them at (406) 552-4343 or online.