Workers’ compensation provides essential benefits to employees who suffer work-related injuries or illnesses. However, not everyone qualifies for this coverage Certain groups face exclusions or special rules. These exemptions can impact eligibility for benefits, leaving some workers without the support they may expect.
Independent contractors
Independent contractors often face exemption from workers’ compensation. Because these workers operate as self-employed individuals, they don’t have the same protections as regular employees. Independent contractors may need to seek other forms of insurance or legal recourse if injured on the job.
Agricultural workers
Agricultural workers might not receive workers’ compensation benefits. Smaller farms, with fewer than one full-time employee or fewer than two part-time employees, don’t need to provide this coverage. Seasonal or migrant workers often fall into this category. This leaves them without the same protections as workers in other industries.
Domestic workers
Domestic workers, such as housekeepers, nannies, and caregivers, usually don’t receive workers’ compensation benefits. Households employing domestic workers don’t need to offer this coverage unless the worker’s quarterly earnings exceed $1,000. Those working in private homes should discuss coverage options with their employers or consider personal injury insurance for added protection.
Know your rights
Understanding who qualifies for workers’ compensation remains essential for ensuring fair treatment. If you fall into one of the excluded categories, other options might still exist to help you receive compensation after a workplace injury.
Contact YOUR Workers’ Compensation Specialist for a free, no-obligation consultation to learn how we can help you. Call 610-892-9300 or reach us online.