Thousands of on-the-job accidents occur every year, and many of these accidents often result in injuries and even death. Work-related injuries can leave a laborer unable to work for weeks, months and sometimes indefinitely. This is why it’s vital for employers to have Workmans comp in Pennsylvania. The following are some bits of information employers may not know about this type of insurance.
It’s All About Location
These days, it’s unlike for two states to have the exact same rules and regulations pertaining to a workers compensation program. The laws of a particular state control how workmans comp is dealt with and how workers are able to receive their benefits. A statute of limitations exists with nearly all states, so it’s important for employers to know these limitations.
The laws for Workmans Comp in Pennsylvania can control everything from determining what employees are qualified to receive benefits to the types of injuries that’ll be covered. The kind of medical care an injured person receives after an accident can be regulated by the state in which they reside. Know the specific workers comp laws in your state while running your business.
Buying Workmans Comp Insurance
Many employers are very hesitant to purchase workers compensation insurance because of the added expense. That being said, if you’re the sole proprietor of a business, then you’re not required to purchase workmans comp. A business may be able to avoid having to pay for insurance if the income their employees receive solely comes from commission.
In some cases, workmans comp insurance coverage is mandatory depending on how many employees a business has working for them. For most states, between three and five are the minimum number of employees needed for an employer to be responsible for mandatory coverage. Even without insurance, if an employee is injured on the job, they may have protection by the state which allows them to hold an employer financially responsible.
Check out Swartzculleton.com to learn more about an emoployer’s responsibility when it comes to workmans comp insurance. Again, the laws pertaining to this type of insurance vary and are controlled by individual states. A state’s laws can greatly impact how injuries are handled by insurance. Lastly, an employer should do their research to determine if their business is required to have workman comp insurance or not.