Who is Covered by Workers’ Compensation Insurance?

man with broken arm writing on clipboard

Most workers are covered by workers’ compensation insurance. Generally, no matter where you work or who was at fault for the injury, you will likely be eligible for these crucial benefits, which can help you during your period of recovery. That said, not all workers are covered by workers’ compensation insurance.

Continue reading to find out what jobs are not covered by workers’ compensation insurance:

  • Sole proprietors and business owners: Sole proprietors, partners, and business owners are all typically not covered by their own workers’ compensation insurance. However, a few states, such as Washington allow it if they are willing to pay a higher premium.
  • Volunteers: Since volunteers are essentially performing charitable work and do not earn any income and, thus, are not considered employees. Even if a volunteer receives food, lodging, or transportation, they will likely not be covered by workers’ compensation insurance unless the organization elects to do so. As always, there are exceptions to every rule. Volunteer police officers, firefighters, and any other individuals who are requested to assist during emergencies are covered by workers’ compensation insurance.
  • Railroad workers, federal employees, and longshoremen: None of these workers are eligible for workers’ compensation benefits because they receive them through different systems. For example, federal employees are covered by the Federal Employee’s Compensation Act (FECA) and railroad employees are covered by the Federal Employer’s Liability Act. Unlike standard workers’ compensation benefits the majority of workers are entitled to, benefits for railroad workers can even include compensation for pain and suffering.
  • Independent contractors: Independent contractors are not employees and, therefore, are not covered by the company that pays the bill for their services. The problem with this is that some employers incorrectly classify their employees as contractors to avoid providing the benefits, including workers’ compensation they deserve. If you believe your employer is incorrectly classifying your employment status to avoid providing certain benefits, you need an attorney on your side to help fight for your rights and ensure you receive the benefits you are entitled to.

Other workers who might not be covered by workers’ compensation include taxi drivers, part-time domestic employees, part-time gardeners, intermittent workers, and certain agricultural workers. If you are not sure if you are covered by workers’ compensation insurance, seek legal counsel to discuss your case. If you were injured at work, you should not have to bear the burden of paying for your own medical expenses and missing out on wages if you are entitled to workers’ compensation benefits.

Call Ufkes & Bright for the Legal Advice Regarding Your Workers’ Compensation Case

Were you injured at work, but are unsure if you are entitled to workers’ compensation benefits? Contact the experienced legal team at Ufkes & Bright to discuss the details of your case and find out if you are covered by workers compensation insurance. Our team has been representing injured workers for over five decades and will be able to help you effectively navigate the complexities of your case.

Call our office today at (714) 909-2609 to request a complimentary and confidential case review with one of our attorneys and find out what we can do for you.

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