It can be alarming and stressful to discover that your employer is uninsured, especially if you are injured on the job. Verify your employer’s insurance status before proceeding with any actions. If you are involved in an accident while employed by an uninsured employer, here are some steps you can take:
Seek medical attention
If you are injured on the job, it is critical to seek medical attention as soon as possible to avoid long-lasting damage to your health. Even if your employer is uninsured, you may still be able to get medical treatment through your own insurance or state-provided worker’s compensation.
Notify your employer
It is important to let your employer know that you have been injured on the job, even if they are uninsured. Your employer must report workplace injuries to the state, and failure to do so could result in fines or legal action.
File a claim
If your employer is uninsured, you may still be able to file a claim with the state’s worker’s compensation program. Each state has its own program, and you can find more information about how to file a claim by contacting your state’s worker’s compensation office.
Know your rights
If you cannot file a claim with the state’s worker’s compensation program, you may have to take action against your employer. This can be a complex and time-consuming process but may be necessary for getting the coverage you need.
Look for alternative sources of financial assistance
If you are unable to receive financial assistance through worker’s compensation or legal action, there may be other resources available to you. Some states have funds available to help injured workers who are not covered by worker’s compensation, and you may also be able to receive assistance through private charities or community organizations.
Be aware of your employer’s insurance status
It is important to act quickly if you discover that your employer is uninsured. The sooner you take action, the better your chances of receiving the assistance you need to cover your medical bills and other expenses. Make sure your employer is transparent with you early on to avoid the pain of having to pursue alternative options.