How to know if a company has compensation insurance

If you want to claim compensation for a physical injury or stress-related problem, you probably want to know if your employer will be able to cover it. Therefore, in this article we will explain how to know if a company has compensation insurance.

How to know if a company has compensation insurance

If you seek the advice of an experienced work injury attorney, he or she will be able to run a background check on your employer to see if it falls into any of these four categories:

  1. Insured
  2. self-insured
  3. legally uninsured
  4. illegally uninsured

Many times injured workers report work-related injuries to their employers and their employers do not provide information about their workers’ compensation insurance simply because they do not have any.

Before you report your workplace injury, you should find out whether or not your employer has workers’ compensation insurance so you can avoid unnecessary delays.

Your employers need workers’ compensation insurance

“Why can’t I get my workers’ compensation claim approved by my employer without the insurance company?” This is a recurring question. Having workers’ compensation insurance is essential because the insurance company will take care of the authorization and payments of the treatments associated with a work-related stress or physical injury.

If your claim is approved, your employer will have to compensate for your injuries and damages from workers’ compensation insurance coverage to pay temporary or permanent disability benefits. Also, insurance companies that handle workers’ compensation claims have a duty to investigate claims filed by injured workers. What’s more, workers’ compensation insurance can provide you with up to $10,000 of medical care while your claim is investigated.

As we mentioned earlier, there are four categories of employers’ workers’ compensation insurance. Not having any type of workers’ compensation insurance coverage is considered “illegally uninsured” and makes it virtually impossible for you to collect workers’ compensation benefits without seeking legal advice.

Use the correct name of your employer when searching for your employer’s insurance company. Self-insured employers can handle workers’ compensation claims through an Office of Self-Insured program in Los Angeles and throughout California. You can find out whether or not your employer is self-insured by checking the Department of Industrial Relations website.

What if your employer doesn’t have workers’ compensation insurance?

There are also employers who may be legally uninsured, but not many. Instead, illegally uninsured employers are very prevalent. While an uninsured employer may agree to pay for your workplace injuries to avoid the workers’ compensation system, many uninsured employers are reluctant to cooperate. In that case, you will need to submit your workers’ compensation claim to the Uninsured Employers Benefits Trust Fund (UEBTF). But before you do, consult with an experienced work injury attorney.

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