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Can I Get Workers’ Compensation Benefits as a Self-Employed Worker?

On Behalf of | Nov 2, 2023 | Workers' Compensation |

Forsaking traditional employment to work for yourself has its pros and cons but can be a risky proposition. In addition to getting a reliable paycheck, traditional employment provides benefits that range from health insurance to 401k plans to workers’ compensation insurance.

Traditional employers do not have a corner on the market, however. Non-traditional employees could secure coverage. Those who are self-employed as freelancers, independent contractors on 1099s, or sole proprietors of businesses can secure necessary benefits if they become injured during the course of their daily operations.

Risks versus rewards

Working in the “gig economy” takes away many of the “perks” of part-time or full-time employment with a company. Workers’ compensation is beneficial should you become injured while performing job-related tasks.

The workers’ comp system provides injured workers wage-loss and medical benefits following an accident that results in injuries. More tragic situations involve death benefits to dependents when a worker loses their life while on the job.

New Jersey’s workers’ compensation laws require all employers not covered by federal programs to provide workers’ compensation coverage. No mandates exist, however, for sole proprietors with no staff members.

In some cases, clients or partners that you work with may want to limit their organization’s liability while protecting the operation should an accident occur.

Starting the process

The first step for self-employed workers is to shop around for affordable workers’ compensation insurance. Once you select a provider, ensure that proper forms and the insurance company’s contact information are available at a moment’s notice should an accident occur.

Time is of the essence in formally reporting the accident. Approval will result in payment details. Denials will require a request for consideration or an appeal to the state workers’ compensation board.

The Jacobs, Schwalbe & Petruzzelli Difference

Being involved in a work accident can be a very stressful time. This is especially true if you are self-employed and do not have a support system such as a HR Department to rely on.

Whether you work at a traditional employer or are self-employed, at Jacobs, Schwalbe & Petruzzelli, P.C., our workers’ compensation attorneys are here to help you through the process from beginning to end. We pride ourselves on our willingness to help those who need our services. We encourage you to take advantage of our free initial consultation.

We use the initial consultation to learn more about you, your employment situation, the accident you were involved in, and your injuries to determine if you have a claim or lawsuit. From there, we can present the options and next steps to you.

Schedule your free consultation today.