My employee was injured on the job on 9/24/13. His insurance will cover 80% of his hospitalization and rehab. I don't believe I'll be sued by my employee. Will the hospital and rehab bill me or my employee for the uncovered costs of treatment? Will the state take punitive action against me?
You really need to contact a local employment attorney to discuss these issues. Workers compensation laws vary from state to state and an attorney who practices in this area in your state is the best person to advise you. Good luck.
That is irrelevant. The employer is responsible not the employee's insurance. You are violating Massachusetts law and you can be subject to very high fines.
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Talk to an attorney who represents employers and insurance companies in workers compensation cases ASAP You do have liability that is different than if you had work comp insurance because of possible penalties. Get work comp insurance if you have other employees.