Pacific Post February 2020
Important FAQ’s about Workers’ comp
“I’m injured, but I don’t want to sue my company. It’s a small business, and my boss is great. I’ve worked there for 10 years, and we’re like family.” We often hear stories like this, but every situation is different. Sometimes workers are injured due to their boss’ negligence, but it’s common for workers to be hurt during unpreventable situations. Regardless of who’s at fault, the injured party needs treatment and disability payments while they recover. Don’t be nervous about filing a workers’ compensation claim if you’ve been injured at work. When you file a claim, your employer generally isn’t paying anything, and it’s rare that businesses are damaged by a claim. Still, if you’re not totally sure how to handle your claim, here are some common questions we get for new cases. If your employer isn’t responsible, who pays for your workers’ compensation claim? In California, your employer is required to purchase insurance that protects you and your coworkers in the event of a workplace injury. When you’re injured on the job, you generally can’t take legal action against your company in civil court, but their insurance company is responsible for paying for your benefits and treatment. The company may see their premiums rise after the accident,
“It’s illegal for your boss to lack workers’ compensation insurance. If this is the case, your compensation will be paid for by a state fund.”
but they won’t have to pay for your medical care or other workers’ compensation benefits.
What if your boss is uninsured or underinsured?
It’s illegal for your boss to lack workers’ compensation insurance. If this is the case, your compensation will be paid for by a state fund. If your employer’s policy isn’t sufficient to cover the number of employees or the risk level of your job, it’s insurance fraud. The insurance company your boss uses must still take care of you, but they will take money from your employer to recover their losses. If you truly have a great employer, they’ll be concerned about your health and want you to get the help and benefits you need, so file your workers’ compensation claim without fear.
If you have any questions or concerns feel free to reach out to us anytime. For more information visit our website or call (833) 722-9675. – The Lawyers For Injured Workers
510-240-8710 • 1www.pacificworkers.com
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