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These are your options if you’re hurt and your employer is uninsured
If you are hurt at work, you should be able, in most cases, to file for workers’ compensation. Unfortunately, some employers don’t take the need for workers’ compensation insurance seriously enough, and they may decide not to have it at all.
In that case, if you’re hurt while working, you should still get medical care. Then, you should reach out to your attorney about your employer’s lack of insurance.
What happens if your employer doesn’t have workers’ compensation insurance?
If your employer doesn’t have workers’ compensation insurance, they can get into deep trouble with the law and be fined for it. You have the right to sue for the compensation you need as well.
You may also benefit from the Uninsured Employers Benefits Trust Fund, or UEBTF. UEBTF funds cover workers who were hurt while working for those who were uninsured. Another option is to try to gain compensation through the Subsequent Injuries Benefits Trust Fund, or SIBTF. This fund was established as an additional way for injured workers to get compensation. Workers with a history of a disability have access to this fund.
How can you get benefits from UEBTF?
To get benefits, you will need to file a claim. Your attorney can walk you through each step of this process, so that you can get the compensation you need as soon as possible.
How do you get compensation from SIBTF?
You can get coverage from SIBTF if you had an impairment before your workplace injury. If you now have to live with a disability rated at 70% or greater, then you can seek compensation by filling out an application for Subsequent Injuries Fund Benefits.
Should you work with an attorney to get this compensation?
Since you’re already dealing with an injury and its impact on your life and health, it’s helpful to work with an attorney on your case for compensation through outside sources. An attorney can handle your case for you while you attend physical therapy or focus on your recovery, so that you can relax knowing that the legal aspects of your case are being handled the right way.