Georgia law requires most employers with three or more employees to carry workers' compensation insurance, or receive approval from the State Board of Workers' Compensation (SBWC) to self-insure their employees against occupational injuries or illnesses.
The purpose of workers' compensation insurance is to help an employee return to the job after suffering a work-related injury or illness. These benefits provide medical, rehabilitation, and wage-replacement benefits.
Additionally, death benefits may also be available to surviving spouses or dependent minor children of workers killed in the course and scope of their employment.
In Georgia, workers' compensation is the sole legal remedy for employees seeking compensation for a workplace accident and injury. Unlike in personal injury civil cases, workers don't have to prove negligence and are often entitled to benefits even if their actions led to their injuries (with some exceptions).
Verifying that your employer has workers' compensation insurance is essential, especially if you were recently hurt on the job and are counting on these benefits to help you get back to work. Fortunately, thanks to the SBWC's Employer Workers' Compensation Online Insurance Verification feature, it's as simple as entering your employer's name or Federal Employer Identification Number (FEIN). The online tool has information on employers with traditional workers' compensation insurance, as well as those that have coverage through a group fund or association or are approved by the SBWC to be self-insured.
Once you've figured out whether your employer has workers' compensation coverage, the next step is to contact an experienced Georgia workers' comp attorney to discuss the information and determine how to proceed. An attorney can help you report a non-compliant business, fight for the benefits you need and deserve, and more.
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Hurt on the job in Georgia? The skilled attorneys with Van Sant Law have helped countless workers in situations similar to yours obtain the workers' compensation benefits they're owed. Contact us today to schedule an appointment for a free initial consultation to learn more about your legal rights and options.