How Do I Know If My Employer Is Covered By Workers' Compensation?

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How Do I Know If My Employer Is Covered By Workers' Compensation?

The law requires almost all public and private employers to have workers` compensation coverage. The law defines employers as private employers, public employers, water districts, other quasipublic corporations, municipal school committees, school union committees, and design professionals. The following are some examples of those that are not required to have coverage. A sole proprietor without employees is not required to have coverage under the Workers` Compensation Act. Employers who have employees engaged in agriculture or aquaculture as seasonal or casual laborers, if the employer maintains at least $25,000 in Employers` Liability insurance, with at least $1,000 in medical payments coverage. Employers of six or fewer agricultural or aquaculture laborers, if the employer maintains Employers` Liability insurance of at least $100,000 multiplied by the number of employees and has at least $1,000 in medical payments coverage. Employers of domestic servants in a private home are also not covered under the law.

Other Maine Workers' Compensation FAQs

Q: How Long After An Injury Do I Have To Report It To My Employer?
A: You should tell your employer as soon as possible that you have been injured. You must tell your employer within 90 days of your injury, or when you learn of your … More
Q: What Workers' Compensation Benefits Am I Entitled To?
A: You may be entitled to receive all reasonable and necessary medical treatment, benefits for lost wages, benefits for specific injuries resulting in permanent … More
Q: If I Am Injured On The Job Can I Choose The Doctor Who Treats Me?
A: For the first ten days, your employer has the right to select a health care provider to treat your injury. After the first ten days of treatment you may choose a … More
Q: When Will My Benefits Begin And How Much Will They Be?
A: If you miss more than 7 days of work because of an injury, you are entitled to receive weekly compensation benefits. If you lose between 7 and 13 days, you will be … More
Q: If I Am Unable To Return To The Type Of Work I Did Before I Was Injured, What Happens?
A: If you can return to work, but your injury stops you from earning as much as you used to earn, you may receive partial benefits. Partial benefits are equal to 80% of … More
Q: My Employer Has Denied My Claim, What Do I Do?
A: If your employer refuses to pay your claim they will file a Notice of Controversy. A Notice of Controversy is often called a NOC. The Notice of Controversy should … More