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The only business exempt from the requirement to purchase workers compensation coverage are sole proprietorships (self-employed persons), Limited Liability Companies, and corporations which have only three corporate officers and no employees other than these three officers.
Some states limit the length of time an injured worker can receive temporary benefits. This range can be three to seven years. That said, there is not usually a limit on permanent disability benefits. However, some states do stop weekly benefits when employees reach the age of 65.
Workers comp can help cover an employees medical expenses needed to treat a work-related repetitive stress injury, such as carpal tunnel syndrome. Missed wages if an employee takes time off to recover from a work-related injury. Workers comp can help replace some of their lost wages until they can return to work.
If you could sue in court, it is too late as there would be a three years statute of limitation. If you have not already brought a workers compensation claim, it is too late for this also as there is a two year statute of limitation.
In that case, you may qualify for time-loss compensation due to the fact that youre temporarily unable to return to work. Typically, the workers comp system in most states offers 66% of your wages. Depending on the state, you may receive your salary benefits weekly, bi-weekly, or once a month.
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