Workers’ compensation insurance can be a vital safety net for employees who face occupational risks regularly. This insurance coverage can help cover their financial needs in case they sustain an injury and need to take time off from work to recover. However, employers are responsible for obtaining workers’ compensation insurance for their employees. If they fail to do so, what are your options as an employee?
The appropriate response to this situation can vary from state to state. Illinois has stringent regulations regarding insurance requirements, making coverage necessary under federal and state law. If an employer violates these policies, employees can take legal action to obtain compensation for their work-related injuries.
Taking legal action appropriately
Workers’ compensation insurance can help shield employers from civil suits. If they do not have coverage, they can be vulnerable to lawsuits. If you are an injured employee, you can sue your employer in court for not having insurance coverage.
This option can take a huge toll on your employer because there are often no limits on compensation amounts for damages. Additionally, employers found non-compliant with insurance requirements can receive additional misdemeanor or felony charges, leading to severe penalties.
Exercising your rights as an employee
Work-related injuries can force employees to stop working, causing financial strain on them and their families. There can be a lot riding on their workers’ compensation coverage, especially if their injury could make them unable to work again for a long time.
If there are circumstances hindering your access to your rightful benefits, it can be helpful to seek legal counsel. Doing so can help you learn about your legal options, especially if someone else’s negligence got in the way of your insurance coverage.