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Uninsured Employers

August 2, 2012 By Paul Giannetti

While it is against the law to run a business with employees and not have Workers’ Compensation insurance coverage, many employers fail to secure insurance coverage. If you are injured while working for one of these employers who has failed to secure Workers’ Compensation coverage, a State entity called the Uninsured Employers Fund (UEF) can pay your claim just as an insurance carrier would.

The UEF can then attempt to secure reimbursement for benefits paid to the injury worker from the uninsured employer. In the Capital District Area in New York State, a large percentage of uninsured employers are in the construction and/or roofing business.

Uninsured employers often argue that the person who is injured was not an employee but an independent contractor. When this issue is raised by an uninsured employer, the claim will usually require litigation before an Administrative Law Judge. This type of litigation can be especially slow as uninsured employer cases are only heard on special Workers’ Compensation calendars.

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Serving accident, injury, and workers' compensation victims throughout Upstate New York including Albany, Fulton, Greene, Montgomery, Rensselaer, Saratoga, Schenectady, Schoharie, Warren, and Washington counties. Attorney Advertising. This website is designed to provide general information to injury victims. It is not intended to be legal advice. It can not and should not be substituted for proper legal representation. You should consult an attorney for legal advise regarding your rights as every case is unique and requires in depth analysis and preparation.

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