Many employers also commit Workers’ Compensation fraud, and employees with legitimate claims may have problems getting what they deserve from insurance companies because of it.
Workers’ Compensation in Delaware
Workers’ Compensation is insurance that companies purchase to protect their employees and their own interests. It provides benefits to cover wage loss, medical bills, disability, and death benefits. Most states require business to provide this insurance, and in Delaware, companies that have at least one employee must provide this coverage.
Furthermore, employers cannot make their employees pay any part of the costs of carrying the insurance, including the premiums. For farm employees, the coverage is optional.
It is in the best interests of business to carry Workers’ Compensation for employees, and also because it can protect them from costly lawsuits.
How Employers Can Commit Fraud
The most apparent way for companies to deceive their employees about Workers’ Compensation insurance is to not purchase it in the first place, even though they are almost always required to have it.
Whenever anyone gets hired at a new company, they need to confirm that the policy is in place. If they are already working and are not sure, they should check with their human resources department for proof of coverage.
Workers’ Compensation premiums are based on company size, the work environment, and the type of work that is done. Sometimes, employers are not truthful about the job’s risks and safety factors to get lower premiums. They can also lie about how many employees they have, or the types of work that is completed on the job; for example, they could classify a roofer as a cashier in order to cut costs.
Steps for Injured Employees
Employees that experience job-related injuries and illnesses should seek medical attention immediately, and then notify their company in writing. Then, as soon as possible, the employee must provide the employer with a notice that details all of the compensation claims. If the injury was fatal, this responsibility would fall on the dependents.
In Delaware, if the employer does not respond appropriately, the injured party needs to contact the Office of Workers’ Compensation within two years of the injury, or one year after being diagnosed with an occupational disease. This could then lead to a hearing with the Industrial Accident Board.
The Costs of Workers’ Compensation Fraud
This kind of fraud is committed by workers, companies, and even health care providers. Unfortunately, it translates into higher premium costs, loss of profits, loss of work, and reduced wages and benefits. Companies that are caught not providing coverage or inadequate coverage can be hit with criminal charges, civil penalties, fines, and jail time.
Wilmington Workers’ Compensation Lawyers McCann Dillon Jaffe & Lamb, LLC Fight Against Employer Workers’ Compensation Fraud
Employees that suffer from workplace-related injuries should not have to fight for their compensation. If you or someone you love needs professional representation for a Workers’ Compensation claim, contact the Wilmington workplace injury lawyers at McCann Dillon Jaffe & Lamb, LLC. We will help you get the benefits that you deserve. Call us today at 302-888-1221 or contact us online.