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There are few things the COVID-19 pandemic hasn’t touched. That includes how it’s changing insurance for schools.
In this article you will learn that every business has the ability to control its workers' compensation premiums.
No, you are not required to cover independent sub-contractors for Worker's Compensation.
Learn more about navigating through workman's compensation.
Workers’ compensation insurance is protection for an employee and employer in the event of a workplace or work-related accident. This coverage can include payment for medical bills, disability benefits, and wage replacement.
With the exceptions of Texas and Wyoming, all 48 remaining states and the District of Columbia require that an employer carry Workers’ Comp.
Prices will vary depending on the number of employees and their job classifications. A general rule you can apply is approximately $1 in premium for every $100 of payroll.
The claim process starts with filing a report identifying the work-related injury or illness, then contacting your insurance provider and the state’s workers’ comp board and OSHA. If there is a disputed claim, an employee will be required to demonstrate that the injury is work-related.
No punitive actions can be taken against an employee with a filed workers’ compensation claim, so coverage cannot be canceled in response to a claim, but there is no general protection for health coverage, and it could be allowed to lapse in some circumstances. Additional filings, such as Family Medical Leave of Absence (FMLA) may be required to provide extra layers of protection.