Workers comp insurance is no laughing matter and how employees can protect their legal rights.
TMZ has reported that Jim Carry was fined $72,000 by the State of New York for not having workers comp insurance for his art studio in 2012. A rep for Carrey tells TMZ: “This is a clerical error on their part and will be cleared up immediately.”
This goes to show you that even rich people sometimes have issues with workers comp insurance. It should also serve as a warning about employers who fail to comply with state workers comp laws.
Here is some information about the different types of employers who are required to purchase workers comp insurance in Michigan. Also, find out about your legal rights when you suffer an injury at work and there is no insurance.
Michigan employers who must carry workers comp insurance
Private employers who have 3 or more employees at one time or have less than 3 employees if at least one of them has been employed for 35 or more hours per week for 13 weeks or longer during the preceding 52 weeks.
Households employing domestic servants 35 hours or more per week for 13 weeks or longer during the preceding 52 weeks.
All public employers.
Work comp rights for injured employees
Employers are still required to pay workers comp even if they do not have insurance. This means that medical and wage loss benefits must be provided. However, collection is always a problem.
Employers who fail to obtain required workers comp insurance could be subjected to criminal penalties. Officers of the company could also be personally liable.
The uninsured employer is not protected by the exclusive remedy provision. This means the injured worker can file a separate action against the employer for negligence.
Where to turn for help
Workers comp is supposed to protect both the employer and the employee in the event of a work-related accident. It is not very expensive and benefits are limited.
To speak with one of our workers comp lawyers in Michigan, call (855) 221-2667 for a free telephone consultation. Employers who try to game the system must be held accountable.
Update: Insurancejournal.com reports that Mr. Carry does indeed have workers comp insurance and the carrier filed the wrong employer identification number.
– Alex Berman is the founder of Michigan Workers Comp Lawyers. Hes been representing injured and disabled workers exclusively for more than 35 years. Alex has helped countless people obtain workers comp benefits and never charges a fee to evaluate a case.