If you get hurt at work, you should be entitled to coverage through your employer's workers' compensation plan. This plan provides coverage for you to see a doctor and receive the care you need without it impacting your finances.
It's the law that your employer must have workers' compensation insurance in Pennsylvania. Whether the business is new or has been established for a long period of time, it's important that employees have this coverage. Under state law, businesses that employ one or more employees must cover their employees with workers' compensation insurance. It doesn't matter if the employees are full-time, part-time or even temporary workers.
When a person gets hurt at work, the workers' compensation insurance makes sure that person receives wage-loss benefits and medical benefits. For employers who have this insurance, they are given the coverage needed to be protected against lawsuits from injured employees.
Your employer should have purchased a policy through an agent or broker, online from one of several hundred private insurance carriers or by applying for self-insurance status. Businesses can also obtain insurance through the State Workers' Insurance Fund, which can provide coverage to all businesses, even if they're struggling to obtain the same compensation from private insurance carriers.
There's no excuse for an employer not to carry workers' compensation insurance, because there are so many options available today. If your employer didn't carry insurance and you got hurt, you may have to file a lawsuit to obtain compensation. Our website has more information on workers' compensation insurance and what you should do after you've been hurt on the job.