How Do I Know If I’m Covered Under Workers’ Compensation?

Determining whether you are eligible for workers’ compensation benefits depends on several factors, including your employment status, your employer’s coverage, and the laws in your state. Workers’ compensation is a mandatory form of insurance that most employers are required to carry to provide benefits to employees who are injured or become ill due to their job.

First, verify your employment status. Workers’ compensation typically applies to employees rather than independent contractors or freelancers. If you receive a W-2 tax form, it’s more likely you are considered an employee, whereas independent contractors usually receive a 1099 form.

Next, check whether your employer carries workers’ compensation insurance. Most states mandate that businesses with employees maintain this coverage, although there may be exceptions for very small businesses or specific industries. You can request this information from your employer or HR department, or check your state’s workers’ compensation board.

Consider the nature of your injury or illness. Workers’ compensation covers injuries or illnesses that occur as a direct result of your job duties. If your condition happened while performing work-related tasks or as a result of workplace hazards, you are likely eligible.

Finally, review the laws specific to your state. Each state has its own requirements regarding eligibility, covered employees, and claim filing deadlines. Understanding these rules will help ensure that you take the proper steps to secure your benefits.

If you are uncertain about your eligibility or encounter difficulties with your claim, seeking legal advice can make a significant difference. At 770GoodLaw, we specialize in helping injured workers navigate the complexities of workers’ compensation claims to ensure they receive the benefits they deserve. Contact us for a free consultation to discuss your case and explore your options.