Generally an employer is self-insuring against on the job injuries if they do not carry workers compensation insurance and would have to pay employees "comp" out of their own funds. However, there are some limited instances where such insurance is not required and certainly there are proofs required on your part as to employment, job related injury, etc. I believe it is always best to consult local counsel who regularly handles workers compensation cases to get a free understanding of your rights in regard to your specific facts. You may certainly take action if overtime pay was withheld. The Federal and State governments have agencies that look into these matters and you can also obtain counsel to file litigation. Again, a consultation with a local attorney re: the specific facts is the prudent way to go.
Answered on Jul 07th, 2015 at 8:20 PM