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Is workers’ compensation coverage mandatory in Pennsylvania?

Workers get hurt on the job in Dauphin and elsewhere in Pennsylvania daily. While many of the resulting injuries are relatively minor, others are quite serious. A worker may need to have surgery performed on them and face a lengthy recovery time. They may miss many days of work. This can make it difficult for them to cover their bills and maintain their lifestyle.

All employers in Pennsylvania, regardless of whether they have just one or multiple employees, are required to take out workers’ compensation coverage. This requirement applies no matter whether the worker is a child or spouse of a company’s owner. It also doesn’t matter how many hours the employee works weekly or what their employment status is.

Pennsylvania state law affords corporate officers, partners and sole proprietors the option to choose whether to take out workers’ compensation coverage for themselves.

Any licensed insurance agent, real estate broker or salesperson who works on a commission-only basis isn’t required to be covered by workers’ compensation coverage. Individuals who work as casual or domestic laborers don’t have to be either.

Farmers who employ anyone who makes less than $1,200 or works no more than 30 days per year are excluded from having to take out workers’ compensation coverage as well. A farmer’s minor child or spouse generally doesn’t have to be covered by workers’ compensation coverage either.

Pennsylvania employers are required to purchase their workers’ compensation policies from a state-administered fund provider. Only certain businesses are allowed to self-insure.

Most employers are required to take out workers’ compensation coverage. It’s supposed to assist employees with their medical bills and to provide compensation for their lost wages if they’re hurt on the job. Many take their chances and fail to take out the required insurance though.

Employers also fail to advise their workers of their right to this coverage. A workers’ compensation attorney can advise you of what benefits you’re eligible for if you’ve been hurt on the job.


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