If you do not fall into one of the exceptions listed above, your employer is supposed to have workers’ compensation coverage unless they elect to be self-insured. If your employer has chosen to self-insure, they can directly pay you for your medical expenses and lost wages. If your employer is not self-insured, or they have not purchased the required workers’ compensation coverage, you might be eligible for benefits from Pennsylvania’s Uninsured Employer Guaranty Fund.
You must file a claim within 45 days from the date you found out your employer was uninsured. If your claim is approved, you could receive the same or similar benefits typically provided by workers’ compensation coverage.
Bottom line: Call our Philadelphia workers’ compensation lawyers today if you were injured working for an uninsured employer.