Employees with no Workers’ Comp Coverage from the Employers

Employees with no Workers’ Comp Coverage from the Employers

We would get distressed learning that our employers don’t provide us with Workers’ Comp coverage. But we need not fear! There are some other ways that we can find ourselves insured with!

The other options that a person opts for when not provided with Workers’ Compensation from their employers, are:

• Uninsured Employers Guaranty Fund,
• Personal Injury Lawsuit

Uninsured Employers Guaranty Fund or the UEGF was the creation of the Pennsylvanian Legislature. This was created to insure uninsured employers. This Fund allows to file a claim against injuries incurred during a work session. A Workers’ Compensation judge reviews the case of the person who claimed for the policy, whilst the UEGF assigns a lawyer to defend the claim.

The employer when uninsured, the UEGF holds them responsible whilst also holding the UEGF as the other liable party. Then the employer is provided 30 days within which he has to pay all the money owed by you as the employee. I most cases the employer d not complete the compensation and the UEGF takes their place in such situations.

UEGF is a state funded financial resource and may take months to receive the payments. Thus, a Workers comp Lawyer representing you as the claimer, unlike hiring a workers comp attorney. The sad downfall for the UEGF is that it has no obligations and neither does it have to pay annual interests on back benefits.

It is also important to note that after discovering that the employer is uninsured, in 45 days you need to file a claim otherwise the employer’s obligations cease.

Personal Injury Lawsuit is the next best option when you do not want to opt for a UEGF. With a Personal Injury Lawsuit you sue the employer for their negligence. This Lawsuit is too an option when you are in the USA, even when elsewhere it is usually not advised to sue an employer for any work-related injuries. With the Personal Injury Lawsuit, you have the option to avail the total amount of the incurred losses. This is very different as compared to two-third payments of a workers’ wage. The other advantage for such a lawsuit is that you can seek damage reimbursement, that is, payment for the pain, suffering and the stress you suffered during the whole process. The downfalls of this is that the legal process is time taking and thus, the payments could lead to delays of months and years. The other main downside is that, you could also lose the lawsuits, and unlike workers’ comp, a no-fault system, you will have to have a proof that the reason for your injury is your employer. The work injury lawyer is of great help for such complicated and tricky situations.

No matter what is the outcome, it is always better to take help from the professionals like The Workers Comp King

Source : https://www.jdsupra.com/legalnews/what-if-my-employer-doesn-t-have-3964201/