What are the requirements for providing workers' compensation?
In Delaware, employers must provide workers’ compensation for employees who suffer from work-related injuries or illnesses. This is a protection that ensures any lost wages or medical expenses that may be incurred due to the injury will be covered. All employers in the state must provide workers’ compensation coverage for their employees, unless they are specifically exempt under Delaware law. Employers in Delaware must either purchase workers’ compensation insurance or self-insure their own businesses. If self-insuring, employers must provide proof of financial security to the Delaware Department of Insurance. All employers must also report to the department when a worker is injured or makes a claim for benefits due to a work-related illness or injury. Additionally, Delaware employers must ensure that workers’ compensation is provided to employees within 10 days of the first day they miss work due to the injury or illness. If an employer fails to provide workers’ compensation coverage, they could be faced with a fine of up to $5,000 for each employee. Additionally, the employer could be held civilly liable for the employee’s medical expenses incurred due to the injury, and the employee may be able to sue the employer for additional compensation. It is important for employers to know the requirements for providing workers’ compensation in Delaware. By doing so, employees are ensured the coverage they need in the event of an on-the-job injury or illness.
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