Understanding the Uninsured Employers Benefits Trust Fund (UEBTF) and the Subsequent Injuries Benefits Trust Fund (SIBTF) is vital for California’s employees and employers.
Uninsured Employers Benefits Trust Fund (UEBTF)
Employers are required to purchase workers’ compensation insurance in the event their employees are injured while they are on the job. Some employers do not do so or they allow this coverage to lapse. Injured workers can file a claim with the Workers’ Compensation Appeals Board for compensation from the UEBTF.
Injured employees can do so by filling out a Division of Workers’ Compensation application, according to California’s Department of Industrial Relations. Once it has been determined that the worker’s employee did not have insurance coverage, an adjudication of claim application must be submitted. Additional documentation in the form of medical and employment information is also required. The employer in question must also be provided with the information the worker submits to the Workers’ Compensation Appeals Board.
Subsequent Injuries Benefits Trust Fund (SIBTF)
The Subsequent Injuries Benefits Trust Fund (SIBTF) provides compensation for those employees who had a previous impairment or disability at the time of their injury. California’s Department of Industrial Relations notes that a worker can only collect benefits from SIBTF if the combination of the previous impairment or disability and the effect of the injury result in at least a 70 percent disability.
This fund was created so employers could be confident in hiring workers with disabilities or impairments without liability concerns related to the effects of the employee’s previous impairments or disabilities. Only after the employee has been awarded benefits by the Workers’ Compensation Appeals Board are checks from the SIBTF issued. In order to file a claim for SIBTF benefits, an injured worker must file the required application with the SIBTF Claims Unit.