Menu Search Icon Mail Icon
Davis Saperstein & Salomon
Call Today 201-907-5000
No fee if no recovery
All consultations are free

Workers' Compensation Newsletter

When Workers Compensation Insurance is Required

Unless your business is located in the state of Texas, you may be required to provide workers compensation insurance for injuries and accidents your employees may incur while on the job. Texas is the only state in the union that does not require employers to provide such insurance.

General Coverage

Workers compensation insurance covers an employee’s medical expenses and lost wages. It may also provide benefits for dependents of workers who are killed on the job due to work-related accidents or illnesses.

Some Limitations

Every state has its own set of workers compensation laws. Some states have statutes protecting employers by limiting the amount an injured employee may recover from an employer. Some state laws protect fellow employees by eliminating any liability on the part of co-workers for most accidents.

Minimums Required

Every state also has its own statutes mandating the amount of workers compensation insurance an employer must maintain. Each state also has statutes determining the percentage of the employee’s salary the employer must pay if the employee misses work due to a work-related injury or illness.

Self-Insurance

Some states allow employers who meet minimum payroll levels or a sufficient number of employees to forego maintaining workers compensation insurance and be self-insured, meaning they pay any claims out of pocket.

Exemptions

Some states also allow smaller employers, typically with 5 or fewer employees, to be exempt from the requirement of maintaining workers compensation insurance.

In addition, not all states require all employees to be covered by workers compensation insurance. Exempt employees may include business owners, independent contractors, domestic household workers, agricultural workers, maritime or railroad employees, and unpaid volunteers.

  • Legalities of Being Injured at Work
    A workers’ compensation injury is defined as an injury or illness that occurs due to employment, and may include injury arising out of the scope of employment. The workers’ compensation system was designed to allow employees... Read more.
  • Creating a Return-to-Work Policy
    According to the U.S. Department of Labor (DOL), Workers’ Compensation is in a state of crisis which “can no longer be ignored.” Payment of Workers’ Compensation claims has been found to have been growing faster... Read more.
  • Workers' Compensation Insurance Premiums and "Remuneration"
    Workers’ compensation law governs rights and procedures for compensating employees for work-related injuries and occupational diseases. While workers’ compensation law is based largely on state statutes (and thus varies by... Read more.
  • Selling Structured Settlement Payments for a Lump-Sum
    Many people enter into a “structured settlement” as a result of recovery on a legal claim, such as personal injury, medical malpractice, or workers’ compensation. A “structured settlement” takes a lump-sum... Read more.
Workers' Compensation News Links
Share This Page:
Davis, Saperstein & Salomon, P.C., is located in Teaneck NJ and serves clients in and around Teaneck, Hackensack, Bergenfield, Tenafly, Englewood, New Milford, Palisades Park, Englewood Cliffs, Dumont, River Edge, Demarest, Haworth, Oradell, Leonia, Bogota, Maywood, Closter, Alpine, Emerson, Fort Lee, Ridgefield Park, Little Ferry, Bergen County, Hudson County and Passaic County.
Designed and Powered by NextClient

© 2017 Davis, Saperstein & Salomon, P.C. All rights reserved. Custom WebShop™ law firm website design by NextClient.com.