Jobs That Workers Compensation Does Not Cover

  • Posted on: Feb 1 2022
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While many jobs provide workers compensation, there are also many who do not provide coverage due to the job type not being one in which workers compensation covers. The following categories that are never covered by workers compensation involve owners of a business, volunteers, federal employees, independent contractors.

Owners of a Business

In a lot of states, the owners of a business will not be a covered individual of their insurance. However, in other states, the owners may elect to have the coverage for themselves as long as the premiums are regularly paid.

Working as a Volunteer

Working as a volunteer means you are not a paid employee and as such are not covered by workers compensation. Although coverage is not normally provided, the business still has the option to cover them. Many exceptions also exist which workers compensation covers and these include volunteer police and volunteer firefighters. When a volunteer is requested by a police officer or firefighter, they too become covered by workers compensation while assisting in emergency situations.

Employees of the Federal Government

Regardless of your job title or department your job falls under within the federal government, the workers´ compensation is a different type of system that is covered by the federal government.

Federal staff are covered through FECA, which covers any and all diseases and injuries happening by no fault of their own. With railroad workers, the Federal Employer´s Liability Act covers them and permits an employee to bring suit to their employer because of the injury sustained. Benefits provided may include earning lost wages, receiving medical treatment, and other damages such as pain and suffering.

Independent Workers

Having a worker as an independent contractor means they will not be covered by a company’s workers´ compensation insurance. However, they will be covered directly by workers´ compensation. This will be determined by the fact that the company will have the person listed as an employee or an independent contractor. This will matter the most when and if an injury takes place. When an employee is injured, a company may try to have them classified as an independent contractor so that they will not have to pay the insurance benefits that would be provided.

Separate Instances Where Workers Compensation Is Not Provided

Your state may have a list of job statuses that are listed as not being covered by workers compensation. A few of these involve workers who work on a part-time basis, Taxi-drivers, workers in the agricultural field, and those who work intermittently.

When you have become injured on the job but are listed as not being covered by workers compensation, then you need to be on the phone with us today! We´ll get your case started so that you get the benefits you deserve.

Posted in: Blog, Work Injuries, Workers Compensation Benefits

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