Getting hurt on the job is awful. You count on being able to work in order to make ends meet and live a decent life. If you suffer an injury that makes this problematic, it can be beyond stressful. When this accident happens at work, it can be doubly so. Workers’ compensation exists to protect you in just this situation, to ensure that you have coverage and protection that will allow you to get back on your feet—but what if your employer doesn’t have workers’ comp? Learn what your options are when your employer doesn’t have workers’ compensation insurance, and how a lawyer can help you get coverage.

Workers’ Comp Insurance

Workers’ compensation, colloquially known as workers’ comp, is a form of insurance designed to protect employees from debilitating accidents and injuries that occur during the course of a job. If your employer tells you they don’t have it, this is a major problem since almost all employers above a certain size are required to carry this form of coverage. The first step is to find out whether your employer is large enough to require workers’ comp. In Tennessee, all employers with over five employees, as well as all construction companies and coal mining industry companies, must carry workers’ compensation for their employees.

What to Do

If your employer claims that they don’t carry workman’s compensation coverage and you have been injured, they are still likely responsible for covering the damages you suffer unless you are an independent contractor (which carries its own set of rules). This means that you are entitled to filing suit against your employer to get the coverage you deserve so that you can recover from your injuries and get back on your feet.

What employers sometimes fail to understand is that workers’ compensation isn’t just an expense for them—it’s protection against potentially larger damages. It’s a lesson that some employers learn the hard way when they have to pay out thousands in medical treatment and recovery costs.

Uninsured Employers Fund

Tennessee has an Uninsured Employers Fund that will allow you to get some relief while you pursue action against your employer. You should contact this government fund to begin the process of getting covered for some of the damages and injury you suffered.

Workers’ Compensation Attorneys

You should also immediately seek the services of a qualified workman’s comp attorney. Attorneys will have the experience and expertise to help you get covered for the damages you have suffered. They have dealt with these situations before and can hold your employer accountable, not just for your injuries, but for not carrying the insurance they are legally obligated to carry.

If you’ve been injured at work, never take it lying down. Make sure that your rights are defended and that you get full compensation to recover from your injuries so that you can regain your life and health. Check out our workers’ compensation area, and get in touch with us to review your case today!