Most employers are required to provide workers’ compensation insurance benefits to employees, but not all must do so. Here are five reasons why Arkansas workers’ compensation insurance may not cover you:
#1 - You are one of just two employees.
Most employers with three or more employees must provide workers’ compensation insurance coverage. However, there are exceptions to this rule. You may find out if your employer is an exception to this rule by finding the workers’ compensation notice displayed in your workplace. The notice will probably look something like this:
If no notice is posted, ask your employer. If you are dissatisfied with your employer’s answer, you may contact the Arkansas Workers’ Compensation Commission.
#2 - You are a railroad or maritime worker.
Federal laws cover railroad and maritime workers. If you are a railroad or maritime worker, you are ineligible for Arkansas workers’ compensation benefits, but you still have other options to obtain compensation.
#3 - You are an agricultural farm laborer or provide domestic help.
The Arkansas Workers’ Compensation Law does not cover agricultural farm laborers or domestic workers' employment. If this is you, you may need to pursue other avenues for compensation.
#4 - You are employed by a non-profit, religious, charitable, or relief organization.
The Arkansas Workers’ Compensation Law does not cover employees of non-profit, religious, charitable, or relief organizations. If this is you, you may need to pursue other avenues for compensation.
#5 - You are covered exclusively by federal law.
Certain types of employees are covered exclusively by federal law. If this is the case, state workers’ compensation benefits are unavailable.
We’re Here for Your Support
If you’ve been injured in a work-related accident, you may be eligible to receive workers’ compensation benefits. If you need help applying for benefits, or you believe your benefits were wrongfully denied, we may be able to help. Don’t hesitate to contact us right away with any questions you may have.