Are you not sure if your employer has workers’ compensation insurance? It’s a valid concern, especially if you work in a high-risk industry where accidents and injuries are more likely to occur. Knowing whether your employer has this insurance can give you peace of mind and assurance that you will be protected in case of an accident on the job.
So, if you have any doubts or concerns about your employer’s workers’ compensation insurance, keep reading to learn how to find out the truth and ensure that you are adequately protected in the workplace.
What Are the Signs That Your Employer May Not Have Workers’ Compensation Insurance?
There are several signs that may indicate that your employer does not have workers’ compensation insurance. It is important to be aware of these signs to protect your rights and ensure that you are covered in case of a workplace injury. Here are some signs to look out for:
1. Lack of Information
If your employer does not provide any information or documentation regarding workers’ compensation insurance, it could be a red flag. Employers are typically required to display a notice or provide information about workers’ compensation coverage in the workplace.
2. Unwillingness to Report Injuries
If your employer discourages or prevents you from reporting workplace injuries, it could be a sign that they do not have workers’ compensation insurance. Employers who lack coverage may try to avoid liability and expenses associated with workplace injuries.
3. Delayed or Denied Claims
If you or your coworkers have experienced difficulties in receiving compensation for work-related injuries, it could indicate that your employer does not have workers’ compensation insurance. Delayed or denied claims may be a tactic used by uninsured employers to avoid paying for medical expenses and lost wages.
4. Lack of Safety Measures
Employers without workers’ compensation insurance may be less inclined to prioritize workplace safety. If your employer consistently fails to implement safety measures or neglects to provide proper training and equipment, it could be a sign that they do not have insurance coverage.
5. Inconsistent Employment Practices
Employers who do not have workers’ compensation insurance may frequently hire and terminate employees to avoid potential claims. If you notice a high turnover rate or irregular employment practices within your workplace, it could be an indication that your employer is trying to avoid providing workers’ compensation benefits.
How Do You Confirm If Your Employer Has Workers’ Compensation or Not?
Call us. We can help track this down. Every employer is required to advise the Industrial Commission of this although many do not. Smaller companies are prone to skipping this and certain business types like construction, home health agencies, and small trucking companies seem to neglect this as well. By law they are all required to keep that information posted where all employees can see it regularly. Any employer who has three or more employees regularly working is required to carry workers’ compensation insurance.
If your employer is making it difficult to find out who their carrier is, you may well have a problem on your hands. It certainly suggests that they aren’t keen on complying with North Carolina law. And that makes your situation all the more precarious.
What Should You Do Once You Confirm that Your Employer Does Not Workers’ Comp?
Once you have confirmed that your employer does not have workers’ compensation insurance, it is important to take certain steps to protect yourself and ensure that you are not left without coverage in the event of an injury or accident at work.
1. Document Everything
Make sure to keep a record of any incidents or injuries that occur at work, including dates, times, and details of the incident. This documentation will be important if you need to file a claim or take legal action in the future.
2. Consult an Attorney
It is highly recommended to seek the advice of an experienced workers’ compensation attorney. They can guide you through the process, explain your rights, and help you determine the best course of action to obtain the compensation you deserve.
3. Report the Situation
If your employer does not have workers’ compensation insurance, it is crucial to report the situation to the appropriate authorities. Contact your local workers’ compensation board or state labor department to report the lack of insurance. They will be able to provide guidance on what steps to take next.
4. Seek Medical Treatment
If you sustain an injury at work, seek medical treatment as soon as possible. Even without workers’ compensation insurance, you have the right to receive necessary medical care. Keep all related medical records and bills to support any future claims or legal action.
5. Explore Other Options
In the absence of workers’ compensation insurance, you may need to consider alternative options for financial support. This could include pursuing a personal injury lawsuit against your employer or looking into disability benefits or other programs that you may be eligible for.
Oxner + Permar Law has experience handling cases involving employers without workers’ compensation insurance. Our team of knowledgeable attorneys can help you understand your rights and fight for the compensation you deserve. Contact us today for a free consultation.
