Workers' compensation is the insurance system set up to provide benefits to employees injured on the job. But does workers' compensation also provide coverage for independent contractors?
Generally, independent contractors are not eligible for workers' compensation benefits. But independent contractors who are injured on the job should not automatically assume that they will be unable to receive benefits. In some instances, employees may be misclassified as "independent contractors." In these cases, an injured worker that is able to prove that the circumstances or his or her employment are such that he or she should be considered an employee may be eligible for workers' compensation benefits.
What factors are used to determine whether a worker is an employee or an independent contractor?