Workers Compensation Lawyer in New York

What If Your Employer is Uninsured?

In most cases, employers carry workers compensation insurance policies to protect them from undue expenses in the event that workers are injured or sustain occupational illnesses on the job. Some employers choose not to carry this insurance, perhaps as a cost-saving measure when they do not foresee the true risk of injury at their workplaces.

A workers compensation lawyer in New York will tell you that failure to provide workers compensation coverage (or even charging any portion of the premiums to employees) is a crime, subject to fines and criminal prosecution. Since premiums are not overly expensive, employers can save money by avoiding the numerous costs associated with not carrying the insurance.

Injuries on the job are covered, even without insurance

When individuals are injured or suffer an occupational illness as the result of their work, they have the right to file a workers compensation claim in New York. If their employers do not carry the insurance, an injured worker can do one of the following:

• Sue the employer directly
• File a claim through the Uninsured Employers Fund (UEF). These claims are processed by staff members of the New York State Workers Compensation Board Bureau of Compliance. The staff collects all evidence, prepares claims for hearings, and administers all compensation and medical benefit payment

Read more about New York workers compensation law

How an experienced NY workers comp attorneys can help

Individuals who sustain on-the-job injury or work-related illnesses can often assume they have no options when they learn their employers do not carry insurance. By seeking advice from an experienced NY workers compensation lawyer, they can quickly learn they have a right to compensation. Your attorney can help you begin the claims filing process to ensure your rights are protected under the law and in the alternative can bring an action against your employer.

If your employer is not insured for workers compensation, contact us

Do not assume you have to pay the expenses related to a workplace illness or injury out-of-pocket. The NY worker comp lawyers at Klein Wagner and Morris LLP can help you get your claim on track so you can collect the fullest possible benefit for your claim, even if your employer is uninsured. Contact us by calling one of our four New York offices, or use our handy online form to tell us a little about your legal issues.