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Do employers have to provide workers' compensation cover?

Suffering an injury at work can be extremely inconvenient, especially if it means you need to take time off to recover. The loss of wages can be a particular problem, and combined with medical bills can put a significant financial strain on you and your family. Sadly, it is something that many workers in Pennsylvania experience at one time or another. Fortunately, many jobs are covered by workers' compensation legislation, meaning that you may be able to claim some of your costs back.

Most employers are required to have workers' compensation insurance, unless they are classed within certain exempt categories. In many states, employers are also expected to complete reports of any injuries in the workplace and provide immediate medical attention to injured workers. It is also illegal in many states for an employer to terminate a worker for exercising their rights regarding compensation.

As this article on employee rights explains, if your employer does not provide the required coverage, they could be prosecuted, fined or held personally liable for any workers' compensation owed to their employees. It also opens up the potential for injured workers to sue them rather than claim compensation. If you are concerned that your employer may not have the correct insurance, it can be helpful to request details of their coverage.

If you have been injured at work, you may be uncertain how to proceed. Fortunately, an attorney may be able to help you through this potentially confusing period. He or she can explain your options and may also be able to assist you with putting together your case. With this guidance, you can pursue a fair resolution to your case, along with the remuneration you deserve for your injuries.

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