It pays medical, disability, death, and impairment benefits as the nature of the injury requires and, if medically and vocationally necessary, rehabilitation benefits. An insured employer is immune from liability to injured workers. North Dakota has a monopolistic State Fund. Coverage through private carriers is not allowed under North Dakota statutes.
Workers compensation is mandatory for most employment.
Upon the approval of the Department of Labor, you would then be exempt under the workers compensation statutes. Children age 22 or older who are receiving compensation for employment must be reported as an employee. Newspaper delivery personnel with written agreements between the individual and the publisher of the newspaper or shopping news which states that the individual is an independent contractor. No, however, any employer may elect to provide coverage for himself or herself and for any employees exempted under the Act, with the exception of federal and railroad employees, by purchasing optional coverage. If you have any doubt about whether you should be insured, contact the Policyholder Services Department at the Bureau to discuss your situation.