There are many types of insurance available to employers in Pennsylvania.
Some are optional and others are required.
Workers' compensationinsurance is one type that is required for the majority of employers in
Pennsylvania. When an employer does not carry this insurance, they may
The president of a truck company in Pennsylvania was recently charged with
workers' compensation fraud for actions the company took while not
carrying the appropriate workers' compensation insurance. According
to reports, the company failed to purchase workers' compensation insurance
over a 250-day period. However, throughout this timeframe they still accepted
government funds that were paid as assistance for upkeep of the policy.
The government funds that the company received totaled just under $55,000.
The funds were for workers' compensation payments tied to six separate
contracts. Instead of using the money to pay for the workers' compensation
insurance, the trucking company diverted the funds to other uses. According
to the president of the company, the decision to divert funds was made
when the company was experiencing financial difficulty and was forced
into making "hard decisions regarding expenditures" to keep
It does not matter what the company's excuse may be, behavior like
this is unacceptable under the law. It is important that employers are
taking the reasonably necessary steps to ensure their employees are kept
as safe as possible while they are executing their daily on-the-job duties.
However, even when an employer meticulously follows the rules of ensuring
employee safety, accidents still happen and sometimes these accidents
result in an injured worker. When that is the case, that worker is entitled
to workers' compensation benefits. Those benefits are paid out through
the employer's workers' compensation insurance policy. If the
employer does not pay for that insurance, the employee is at risk of not
receiving compensation for the unexpected financial burden he or she experiences
after the occurrence of an accident.
It is important that all employers are held accountable for providing the
aid to which injured employees are entitled. A workers' compensation
attorney can help injured workers navigate the workers' compensation
claim process to ensure they are maximizing their benefits.
Source: Fleet Owner, "Pennsylvania trucking company president charged with workers' comp fraud," Deborah Whistler, April 18, 2013