Workers' Comp Basics FAQ Text Size:

• Are there any types of business not required to have workers' compensation insurance or must all employers have insurance?
• As a new hire, wasn't my employer required to inform me about their workers' compensation program? They did not.
• Can a worker sue someone other than the employer if another party is even partially at fault?
• Can employers self-insure?
• Do employers have to provide coverage for independent contractors?
• Does my employer have any control over what the insurance company will approve or pay for relating to my injury?
• Is every worker covered by workers' compensation?
• What happens if an employer doesn't have any insurance and I am injured? How will my injuries be covered?
• What if a person is self-employed and is injured working? Who covers work injuries then?
• What, if any, difference exists between long-term disability insurance and workers' compensation?
• What, if any, difference exists between short-term disability insurance my company offers and workers' compensation?
• What is workers' compensation?
• Who continues covering and paying benefits to injured workers if an insurance company goes bankrupt?
• Who thought up the workers' compensation system we have?
• Why can't I sue my employer directly?

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Q: Are there any types of business not required to have workers' compensation insurance or must all employers have insurance?

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• A:

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Q: As a new hire, wasn't my employer required to inform me about their workers' compensation program? They did not.

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• A:

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Q: Can a worker sue someone other than the employer if another party is even partially at fault?

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• A:

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Q: Can employers self-insure?

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• A:

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Q: Do employers have to provide coverage for independent contractors?

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• A:

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Q: Does my employer have any control over what the insurance company will approve or pay for relating to my injury?

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• A:

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Q: Is every worker covered by workers' compensation?

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• A:

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Q: What happens if an employer doesn't have any insurance and I am injured? How will my injuries be covered?

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• A:

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Q: What if a person is self-employed and is injured working? Who covers work injuries then?

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• A:

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Q: What, if any, difference exists between long-term disability insurance and workers' compensation?

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• A:

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Q: What, if any, difference exists between short-term disability insurance my company offers and workers' compensation?

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• A:

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Q: What is workers' compensation?

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• A:

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Q: Who continues covering and paying benefits to injured workers if an insurance company goes bankrupt?

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• A:

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Q: Who thought up the workers' compensation system we have?

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• A:

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Q: Why can't I sue my employer directly?

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• A: