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Employers in almost every state are required to offer some form of workers’ comp insurance to protect employees who suffer injuries on the job. If you need to file a claim, you must determine whether or not your employer is required to participate in the program, as well as if you’re eligible to receive benefits. Regulations differ from state to state, but here are a couple of general guidelines to get you started.

Is Your Employer Required to Provide Coverage?

workers' compSome states only require businesses with three or more employees to carry workers’ comp coverage, while others offer very few restrictions. For instance, every business in New York with at least one employee must provide medical and wage replacement benefits to injured workers.

Which Employees Are Included?

Unlike other benefit programs, workers’ comp generally covers every employee in the company, starting on their first day of work. Both part-time and full-time workers are covered, as well as seasonal employees. Workers borrowed from a partner or another branch and even volunteers are covered, providing a blanket of coverage for almost everyone.

Independent contractors, however, are an exception. If you’re not directly employed by the company you work for and don’t receive a W-2, you may be considered a contractor rather than an employee. If you’ve been injured at work, talk to a workers’ comp attorney, as some employers call workers contractors when they are, in fact, employees.

 

Whether you were hurt in an accident or developed a painful medical condition because of your working conditions, the legal team at Vincent J. Criscuolo & Associates in Rochester, NY, will work to secure the benefits you need. Their dedicated team is proud of their client-centered approach, so you can be confident your case will get the individualized attention it deserves. Visit their website to learn more about the workers’ comp system, or call (585) 232-3240 to schedule a consultation today.

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