When Employers Fail to Secure Workers' Comp Coverage

In Mississippi, most companies who employ five or more workers are required by law to purchase workers' compensation insurance.  While most businesses are compliant, a growing number of companies are failing to meet this basic and important requirement.  It should be noted that failure to maintain workers' compensation insurance when required is a criminal offense in Mississippi. When a worker is injured on the job and their employer has failed to secure comp insurance a complicated and often times disastrous set of events begins.  The negative effects to companies are only trumped by the serious harm suffered by the injured worker.  Resolution of this specific subset of workers' comp claims requires the assistance of an attorney skilled in handling workers' compensation matters as well as other related aspects of the law.  Many lawyers that regularly assist injured workers or handle personal injury matters shy away from these type of cases.  The lawyers at Pollan Dobbs have handled numerous cases of this sort and have found creative solutions that benefit the injured worker first and also serve the interest of the employer to a limited extent.  Cases where workers have been hurt on the job and no insurance is present are complicated and rife with potential pitfalls not normally present in a run of the mill workers' comp claim. From determining whether to pursue the claim inside or outside of the administrative process to negotiating with companies who threaten to file bankruptcy, it is essential that injured workers make the right choice when selecting their advocate.  Our firm has helped many injured workers as well as attorneys who have referred us these type of cases and each time we have worked to secure a favorable result for all involved.

--Carter Dobbs, III

My Employer Wants Me to Use My Health Insurance for a Workplace Injury. What do I do?

Filing a Workers' Comp Claim on your private insurance can keep you from getting proper healthcare and destroy your protection under the law.  You can undo the trouble, but you need the facts to know how.  Pollan Dobbs, PLLC can show you the way.

Everyday injured workers are told to use their health insurance to cover the care for their workplace injury.  Every time this happens, they're being exploited by their employer.  This problem has become a small epidemic in many states.  Workers' Comp and standard Health Insurance policies may seem the same, but they aren't.  Employers who urge workers to use their own personal health insurance are committing a form of insurance fraud.

This includes:

• Refusing to do an injury report.
• Refusal to submit a truthful report to the Workers' Comp insurance company.  
• Refusal to give the name or adjuster for the Workers' Comp insurance company.
• Forcing injured workers to use their own private health insurance.

The rules for starting a workers' comp claim are fairly simple, but the situation can get quite complicated when Employers act as if the rules don't apply to them.  This sort of behavior is an attempt to hide your injury so that they can avoid responsibility--pure and simple.  Any attempt to do the things listed above is an attempt to hide benefits from you and make whatever steps you take with your legitimate claim just a bit more difficult.

You should have dignity and respect from your workplace and when you're workers' comp claim is legitimate, we make sure you get it.

If anyone has tried to use any of these insurance tricks with you, call us.  We have the tools to get your claim handled properly with no red tape for you.  We work to protect you and your job as our highest priority.


Call us on the Workers' Comp Hotline at 888.931.COMP (2667)

Is Your Workers' Comp Check LATE? Not Getting it at All?

You've always been asked to play by the rules and you're due the same respect.

The law requires injured workers to be paid when they can't work because of an on-the-job injury.  This isn't sick leave, it's not personal time, and this isn't vacation pay--it's comp pay.  Don't let anyone tell you otherwise.

If you've been taken off work due to your injury but haven't received a "comp check", then contact us immediately.  Your insurance company may be in violation of state law and subject to serious penalties.

You don't have to be bullied and you don't have to wait for other people to finally follow the rules.  Pollan Dobbs, PLLC can help get your benefits to you on time.  Give us a call today and get peace of mind:

888.931.COMP (2667)