Workers Compensation

If you are speaking of an individual disability policy (one that you are purchasing for yourself), the main factors are these:

1. The amount of the monthly disability benefit sought. An insurer will allow the purchase of a given benefit based upon your historical earnings. This is because disability insurance is not intended to be a profit making proposition for the insured--in other words, it will not grant a monthy benefit of more than you were making. To do otherwise would give the insured an incentive to "become disabled", which is fraudulent.

2. The elimination period chosen. This is similar to a deductible in a property and casualty policy. It is a period of time that must elapse before benefits start. Generally, a longer elimination period will reduce premium. It can be, for example, 30-60-90-120 days of continuous disability.

3. Whether the policy is an "own occupation" or an "any occupatiion" policy. The first will generally deem you to be disabled and entitled to benefits if you are unable to do the significant duties of the occupation that you held as of the onset of disability. The second will pay benefits if you are unable to perform the duties of an occupation for which you are suited by education, experience or similar factors. The first is more costly than the latter.

4. Your health at the inception of the policy. Disability policies are medically underwritten in much the same way as life insurance policies.

5. The length of time that disability payments are payable. Ordinarily, there is a coordination of this period with a specified age of retirement--such as age 65 when Medicare can be claimed.

There may be others particular to the policy that you are considering.

No. Workman's Compensation pays 100% of medical expenses resulting from the workplace injury.

If your spouse draws a wage from you or your company, you must include her in any workers' compensation plan. If you both own the business as sole proprietors, neither of you are required to be on a workers' compensation plan.

According to Entrepreneur Magazine's "Ultimate Guide to Worker's Compensation Insurance," Maryland requires Comp for all employers with 1 or more employees. If you're exempt from having to have insurance that doesn't mean you should forgo coverage. Even if you have health insurance, who will pay for that if you're seriously injured & can't work? Comp offers lifetime medical benefits due to a work related injury. Maybe you sometimes use subcontractors too, and your state may be one that says you have to provide coverage for your subs who don't have it - talk with your insurance agent first, and if you opt to take the exemption, do so legally. Also, some of your clients may require you to carry this coverage even if the state says you're exempt - you may be able to get higher pay from the General Contractor because you provide your own insurance.

In this state you can not generally collect workman's comp pay if you are injured on a second job and still are able to work on your first job if that is your main job. Your second job would be responsible for all medical bills for the injury on your second job. That would be it. To get workers comp, you must swear that you are unable to work. If you are working, you would be telling a lie under oath. Martha Stewart went to prison for less.

If you are getting temporary impairment benefits you may be able to get permanent impairment benefits, depending on your state. If you are unable to work at all you can apply for Social Security Disability benefits.

Yes, in California failure to have workers' compensation coverage is a criminal offense. In fact, the California Labor Code makes it a misdemeanor punishable by either a fine of up to $10,000 or imprisonment in the county jail for up to one year, or both. Additionally, the state issues penalties of up to $100,000 against illegally uninsured employers. Thus, employees whose companies do not provide Workers' Compensation can file a civil action against the employer in addition to filing a workers' compensation claim.

The right to work is that unless in prison anyone can apply for a job. Employment at will means that the employer can reject the person's application, however it can not be rejected based on race, relligion or any other bias.

Unfortunately, under current laws, you cannot find one insurance carrier that can sell workers' compensation insurance in all 50 states. This is because five states (Ohio, West Virginia, North Dakota, Wyoming, and Washington) have monopolistic state funds. In these states, employers must buy their workers' compensation insurance directly from a fund that is run by the state government, and private insurance companies are not allowed to compete and sell insurance. Therefore, the maximum number of states in which any private insurance carrier could possibly sell workers' compensation insurance is 45.

yes a teacher can collect workman's compensation as long as they have paid into the system for some time

QUOTE:

In Dodge v. Bruccoli, Clark, Layman, Inc., 334 S.C. 574, 580, 514 S.E.2d 593, 596 (Ct. App. 1999), the Court considered limitations placed on the award of future medical expenses. In that case, the commission awarded future medical expenses for management of the claimant's pain medication because it permitted him to take less pain medicine, thus, allowing him to work. On appeal, the employer in Dodge argued section 42-15-60 did not apply because the claimant had reached MMI. This Court disagreed. Substantial evidence in that record supported the commission's conclusion that future medical treatment would tend to lessen the time during which the claimant would be statutorily incapacitated.

See below link:

It depends on your contract with the General Contractor (GC) and whether his coverage will apply to you. Even if it does, you will likely not have coverage - the GC would for your operations in his project. Check with your insurance agent for advice. You may be able to ask for more money if you provide your own insurance and name the GC as an Additional Insured under your policy. Check with your GC to negotiate this after you get some quotes from your agent. And it wouldn't hurt to call a couple of agents since different agents represent different insurance companies.

I don't know if I fully understand your question. You shouldn't (early in your workman's comp. case) miss or cancel scheduled visits to your doctor, although, you may "arrange" to have your doctor's appointments stretched to allow it. I took a vacation to the beach, but I didn't miss any doctor's appointments and I didn't do anything the doctor restricted me from doing.

Most employers require emplyees to perform duties not in their job description nevertheless, you are still covered by workman's compensation while on the job .

It probably can't. Most payroll checks say 'void after __ days".

To plan a project you need to:

1. breakdown the scope, by listing all of the activities and deliverables required to complete the project.

2. map out in what order each activity needs to happen.

3. estimate the effort to complete each activity.

4. allocate resources (people or machinery) needs for each activity.

Related links contains a guide to how to plan your project.

Simply....No one has claimed any suit or gone to the DOL...Company is a scam anyway

There are many websites that will provide this information, but one of the most reliable sites for information that is not biased and provides great resources is Wikipedia.

Workman's comp mandates that all employees are covered. It doesn't specify full time, part time or temps. Yes, you are covered.

True

It depends on your state, but remember that if you have employees, even if your state has an exemption you remain liable for your employees medical costs and more whether you have insurance or not.

Your gross salary - meaning the amount they pay you before they take anything out for taxes (or insurance, etc.)

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It will more than likely affect your claim. It will likely be concluded that you at least contributed to your own injury, and therefore the employer will not be as obligated to pay for your injury as it would if you were not under the influence of controlled substances.

Im trying to find out too.