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Q. Am I covered by workers’ compensation?

A. Most workers are eligible. Notable exceptions include business owners, independent contractors, casual workers, domestic employees in private homes, farm workers, maritime workers, railroad employees, and unpaid volunteers. Federal government employees are also excluded from state workers’ compensation laws, but they can receive benefits under a separate federal law. Finally, employees who work for an employer who employs only a small number of people (typically three to five) may not be covered, as state laws do not require the employer to obtain coverage.

Posted in: Workers' Compensation