A lot of clients I see tell me that their boss or manager didn't want them to report an injury as being work related. These clients feel guilty because the employer makes them believe that the money is going to come out of other employees pockets or bankrupt the company. This could not be further from the truth. In Pennsylvania, an Employer is required to carry workers' compensation insurance to protect themselves against accident and injury. The Employer pays a premium and they get the full coverage under their workers' compensation policy. If you get injured and end up on the ER and say it happened somewhere other than work, this is technically insurance fraud. You also open yourself up to a number of other issues. There is a simple solution to this dilemma, if an injury is work related, report it that way.