Who Pays for Workers’ Comp?

Philadelphia Workers’ Compensation Lawyers help injured workers understand the complexities of workers compensation laws such as who pays for workers’ comp.Workers’ compensation programs vary by state. Generally, workers’ compensation benefits are paid for by either state-run insurance programs, employers, or employers’ private insurance companies. Pennsylvania employers with one or more employees are required to carry workers’ compensation insurance under the Pennsylvania Workers’ Compensation Act.

Injured employees are entitled to receive compensation for certain expenses associated with their work-related injuries or illnesses regardless of who was at fault. In exchange, workers may not sue their employers directly via personal injury lawsuits and workers’ compensation is the generally their exclusive remedy.

Three Main Sources of Payment

In Pennsylvania, workers may receive various types of workers’ compensation benefits, including compensation for health care expenses, disability, and vocational rehabilitation. Injured workers are entitled to these benefits regardless of who pays for them, however there are three main sources of workers’ compensation payments. These include:

State-Run Insurance Programs

Typically administered by the state Department of Labor, state-run insurance programs collect premiums from employers throughout the state, which are then pooled and paid out to injured workers. Usually, employers with few employees or workplace injuries will opt for this type of coverage. In Pennsylvania, the State Workers’ Insurance Fund (SWIF) helps to provide workers’ compensation insurance for companies that cannot afford coverage.

Employers’ Self-Insurance

Employers may opt to self-insure their workers’ compensation plans for many reasons. Self-insuring lends employers the ability to select their own legal representatives and vendors and it may also help them to reduce costs by encouraging employers to take a more proactive approach to workplace safety. However, not all states permit self-insurance and if they do, employers must typically meet certain requirements.

In Pennsylvania, the requirements are that the company must have been in business for at least three years, there must be proof of incorporation or organization, and the employer must establish an accident and illness prevention plan. Employers who wish to self-insure must submit an application to the Department of Labor and Industry, along with the $500 application fee and proof of the ability to afford coverage.

Private Insurance Companies

Employers also have the option of purchasing their own workers’ compensation insurance through private insurance companies. Laws vary regarding private workers’ compensation insurance however most states allow this type of coverage. If your employer has private insurance, then you will be receiving your workers’ compensation payments from the insurance company.

Protect the Viability of Your Claim

In Pennsylvania, employees must notify their employers of work injuries no later than 120 days after the date of their injury to remain eligible for workers’ compensation. If you wish to file a claim, your employer must file a First Report of Injury with the Pennsylvania Bureau of Workers’ Compensation. Employers may deny claims if they believe that there is not enough information, that the injury did not occur at work, or that the injuries are not as described. It is therefore important to consult with an attorney in your local area to protect the viability of your claim.

Philadelphia Workers’ Compensation Lawyers at Larry Pitt & Associates, P.C. Help Workers Collect the Payments They Deserve

If you were injured at work, you are likely entitled to workers’ compensation benefits, paid for by either the state-run insurance program, your employer, or your employer’s insurance company. Contact an experienced Philadelphia workers’ compensation lawyer at Larry Pitt & Associates, P.C. for a free consultation by completing our online contact form or calling us at 888-PITT-LAW.

We proudly represent all types of injured workers in Philadelphia and throughout Pennsylvania, including those in Berks County, Bucks County, Chester County, Delaware County, Montgomery County, and Philadelphia County, as well as those in the communities of Abington, Ambler, Ardmore, Bala Cynwyd, Bensalem, Clifton Heights, Crum Lynne, Darby, Downingtown, Doylestown, Drexel Hill, Essington, Folcroft, Glenolden, Haverford, Havertown, Holmes, Kutztown, Lansdowne, Media, Merion Station, Morton, Narberth, Norristown, Norwood, Philadelphia, Prospect Park, Quakertown, Reading, Roxborough, Sharon Hill, Upper Darby, West Chester, and Wynnewood.

 

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Testimonials

“Best Worker’s Compensation Law Firm in Pennsylvania”

If you're in need of a Worker's Compensation lawyer, do not doubt that Larry Pitt and Associates is the Best Worker's Compensation Law Firm in Pennsylvania

Regina Lopez

hreview
5.0
2019-05-23T17:14:50+00:00

Regina Lopez

If you're in need of a Worker's Compensation lawyer, do not doubt that Larry Pitt and Associates is the Best Worker's Compensation Law Firm in Pennsylvania

“Excellent Communication”

Excellent communication and accommodating staff at all time

Salvatore M.

hreview
5.0
2019-05-16T15:09:58+00:00

Salvatore M.

Excellent communication and accommodating staff at all time

“Contact this Firm”

I would recommend all who are fighting a claim to contact this firm.

Andrea Carpenter

hreview
5.0
2019-05-15T16:29:34+00:00

Andrea Carpenter

I would recommend all who are fighting a claim to contact this firm.

“No Regrets”

These people really know what there doing, I felt comfortable from the moment I walked in till I left...I have no regrets what so ever...and I never right reviews...rs.

Ralphael Ramos

hreview
5.0
2019-05-15T14:19:06+00:00

Ralphael Ramos

These people really know what there doing, I felt comfortable from the moment I walked in till I left...I have no regrets what so ever...and I never right reviews...rs.

“Forever Grateful”

Larry's team went above and beyond to get my case settled quickly.  I am forever grateful

 

Jessica Lipnitz

hreview
5.0
2019-05-15T14:00:48+00:00

Jessica Lipnitz

Larry's team went above and beyond to get my case settled quickly.  I am forever grateful  

“Above and Beyond”

Have nothing to say but great things !!!! The whole staff goes above and beyond what I expected of a law firm.

Christine Clark

hreview
5.0
2019-05-15T13:36:36+00:00

Christine Clark

Have nothing to say but great things !!!! The whole staff goes above and beyond what I expected of a law firm.

“Very Reliable and Knowledgeable”

I'm so glad that I contacted Larry Pitt & Associates. He was very reliable and knowledgeable. During a tough time in my life, they made sure I was okay and made sure I received excellent care. Thank you for everything.

James Hull

hreview
5.0
2019-05-13T14:32:35+00:00

James Hull

I'm so glad that I contacted Larry Pitt & Associates. He was very reliable and knowledgeable. During a tough time in my life, they made sure I was okay and made sure I received excellent care. Thank you for everything.

“100% Happy”

Best Workman's Comp law firm in the Philadelphia area. 100% happy with the outcome of my case.

Donna Elmwood

hreview
5.0
2019-02-19T18:18:09+00:00

Donna Elmwood

Best Workman's Comp law firm in the Philadelphia area. 100% happy with the outcome of my case.

“Guided Me Every Step of the Way”

One of the BEST Workman's Comp Lawyers in Philadelphia. Guided me every step of the way, with the positive and negatives that could happen in my case. So happy I stuck with Larry Pitt & Associates
Melinda Matson
hreview
5.0
2019-01-31T17:30:27+00:00
Melinda Matson
One of the BEST Workman's Comp Lawyers in Philadelphia. Guided me every step of the way, with the positive and negatives that could happen in my case. So happy I stuck with Larry Pitt & Associates

“Prompt Responses”

Cannot thank you enough for your prompt responses and for solving my problems without allowing me to go through any stress whatsoever. I greatly appreciate your help with my work injury case.

Michele Leap

hreview
2019-01-28T16:20:04+00:00

Michele Leap

Cannot thank you enough for your prompt responses and for solving my problems without allowing me to go through any stress whatsoever. I greatly appreciate your help with my work injury case.
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