Are there any types of business not required to have workers compensation insurance or must all employers have insurance?
• What if a person is self-employed and is injured working? Who covers work injuries then? • Do employers have to provide coverage for independent contractors? • Can employers self-insure? • What happens if an employer doesn’t have any insurance and I am injured? How will my injuries be covered? • As a new hire, wasn’t my employer required to inform me about their workers’ compensation program? • Who continues covering and paying benefits to injured workers if an insurance company goes bankrupt? • Does my employer have any control over what the insurance company will approve or pay for relating to my injury? • What, if any, difference exists between short-term disability insurance my company offers and workers’ compensation? • What, if any, difference exists between long-term disability insurance and workers’ compensation? Q: What is workers’ compensation? A: A system of statues enacted by each state that provides medical, lost time and permanent disability benefits for employees hurt
