Workers’ compensation covers most employees through their state’s insurance program, but what happens if your employer has opted out of the system? At Schaffer & Associates, we help injured workers understand their legal rights in these situations. If you are hurt at work and your employer does not carry workers’ comp coverage, you may still be able to recover damages. A lawyer experienced in Findlay nonsubscriber claims can explain how to proceed and protect your interests.
We are local workers’ compensation attorneys, born and raised in northwest Ohio, and we are proud to help our neighbors understand their legal options. Our team knows how confusing it can be to face a serious injury with no clear path to compensation. If your employer is a nonsubscriber, we can help you build a strong case and hold them accountable.
Employers are required to carry workers’ compensation coverage in most states, and the majority of businesses do participate in the state-run Bureau of Workers’ Compensation (BWC) system. However, some employers fail to carry proper coverage or attempt to classify employees in a way that avoids paying into the BWC.
When a company fails to subscribe to workers’ comp, it is open to legal liability. Instead of filing a standard workers’ comp claim, you may need to file a civil lawsuit against your employer to recover damages. These cases are known as nonsubscriber claims, and we have advised on many such claims in Findlay and the surrounding area.
Common issues that lead to these claims include:
Unlike traditional workers’ comp cases, where you do not need to prove fault, nonsubscriber claims require you to show that your employer was negligent in causing or contributing to your injury. That is why working with a knowledgeable attorney, who understands how to handle these cases, is essential.
A successful claim against a non-subscribing employer can allow you to recover compensation beyond that which the standard workers’ comp system provides in Findlay. This may include full payment of lost wages, past and future medical expenses, pain and suffering, and loss of earning capacity.
Because these claims fall under personal injury law, the process can be more complicated. You must file within Ohio’s statute of limitations and meet certain legal standards to prove your employer’s responsibility. Evidence from a BWC physician, witness statements, safety records, and medical documentation may all be critical to your claim.
At Schaffer & Associates, we have years of experience holding non-subscribing employers in Findlay accountable in claims when they fail to protect their workers. We will work closely with you to determine what happened and gather the evidence needed to present a strong case.
If you were injured at work and your employer is not providing the support you expected, we are here to help. At Schaffer & Associates, we are a small, dedicated team. When you call our office, you will speak directly to an attorney, not an assistant. We are based in northwest Ohio, and we take pride in serving workers.
You deserve straight answers and trusted guidance on how to claim against a nonsubscriber employer after a serious injury. We will take the time to explain your legal rights and build a plan to pursue the compensation you need.
If you have questions about Findlay nonsubscriber claims, do not hesitate to contact our office. Schaffer & Associates is ready to help you pursue compensation when your employer has failed to carry workers’ comp coverage. Call today and speak with a local attorney who will fight for you from start to finish.