Colorado’s Uninsured Employers Fund Law

Workers’ Compensation is a government program intended to help workers who are injured or become ill on the job. For many Americans, workers’ compensation benefits serve as a safety net to carry them through tough times when they can’t perform the work they once did.

However, in many states, only workers who are employed by businesses that carry workers’ compensation insurance are eligible to receive benefits. This means that thousands of workers who work for companies that do not carry insurance are left to fend for themselves if they get injured or sick on the job.

Other things you should know about workers’ compensation in Colorado

For people who live in Colorado, the state has created an Uninsured Workers’ Compensation Fund to assist employees who’ve been injured on the job and their employers don’t carry insurance. Here are some things you should know about Colorado’s Uninsured Employer’s Fund:

  • In 2017, the Uninsured Employer Fund Law was initiated in order to protect public and private employees from uninsured or underinsured employers.
  • Every employer in Colorado with one or more full or part-time employees is required to carry workers’ compensation insurance.
  • The law allows the state to impose fines on businesses that do not carry adequate or any insurance.
  • Employers who fail to provide sufficient insurance can be fined up to $250 per day, and if they fail to comply after the fine their business can be shut down.
  • Real estate agents and brokers who earn commission
  • Volunteers at ski areas
  • Independent contractors and freelancers
  • Maintenance or repair workers who make less than $2,000 per year
  • Workers who perform maintenance, repair or domestic work on a part-time basis for a private homeowner

Who is excluded?

Although Colorado’s Uninsured Employers Fund Law drastically increases the number of workers who are eligible for workers’ compensation benefits, there are still some exceptions.

Listed below are some of the workers who are NOT covered under the new law:

Contact an experienced Uninsured Employers Fund Law attorney in Colorado

If you’ve suffered an injury or illness at work and your employer doesn’t carry workers’ compensation insurance, it’s a good idea to contact an experienced workers’ compensation attorney. At the Law Office of John A. Anderson, Jr., LLC, we have years of experience fighting for workers’ rights. Whether you live in Brighton, Commerce City, or Thornton, we offer legal care you can trust. Contact us online or call (303) 880-7994 today for a consultation. We look forward to speaking with you.