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Does My Employer Have to Have Workers Comp?

Posted on April 21, 2013 to

Workers compensation plays an important part in modern injury law. Initially introduced in 1855, it has long provided a means for ordinary, hardworking Americans to get the medical treatment they need if they are injured on the job.

The Beltway and Beyond

Workers compensation is required for all employers in Virginia, Maryland and the District of Columbia. From the largest lobbying organizations down to the smallest contracting firms, every employer is legally mandated to ensure that their workers receive adequate medical coverage in the event of injuries sustained while working. The law extends this coverage to each and every person allowed to work, whether full-time or part-time.

Covered Injuries and Treatments

Provided that they are sustained undergoing the duties of a job, there is no exact limit to the kind of injuries that can be covered by workers compensation. The law stipulates that workers compensation can cover:

Workers compensation is primarily intended to pay for the cost of treatment or lost wages due to disability. This includes, but is not limited to:

  • Doctor’s visits
  • Medication
  • Surgery
  • Rehabilitation
  • Physical therapy
  • Temporary Disability
  • Death (in some cases)

Conditions that develop years after the conclusion of employment, such as mesothelioma resulting from asbestos exposure, are not covered under workers compensation. If you have developed mesothelioma and wish to sue your former employer, you will need the help of a Virginia, Maryland or Washington, D.C. injury attorney.

What If My Employer Doesn’t Have Workers Comp?

In Virginia, Maryland, and the District of Columbia, workers compensation is required the law, without equivocation. An employer that tells you otherwise may be attempting to discourage you from filing a claim, or their policy may have been cancelled due to non-payment. In some cases, an employer has paid the premiums in good faith and the policy was cancelled due to the legal wrangling of a malicious insurance company.
Our injury law firm can help you pursue compensation and damages if your workers comp claim is denied.

Workers comp laws can vary widely from state to state, which complicates matters for people who commute from one state to another for their employment. If you were injured on the job and seek to file a workers compensation claim, it would benefit you to consult an experienced Virginia, Maryland or Washington, D.C. injury attorney. Our law firm is dedicated to helping normal people find the justice and compensation they deserve after receiving on-the-job injuries.