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Do you need to worry about workers’ compensation for remote employees? When your organization adopts or expands a work-from-home policy, it’s a good idea to take a fresh look at your workers’ compensation coverage and processes. It’s important to understand that employee injuries at home may be covered by workers’ compensation.
Managing workers’ compensation claims in New York can be a complex task for any HR professional, especially when it comes to ensuring a smooth process for all involved. New Yorks workers’ compensation laws are strict and designed to protect both the employee and employer. This must be done within 30 days of the injury.
Navigating employee benefits can be complex for employers, especially when balancing cost control with providing comprehensive offerings to workers. Acting as an intermediary between employers and insurance providers, benefit brokers help design, implement and manage employee benefits programs.
In addition, new rulemaking is likely to be introduced in 2022 that will affect health plans, including non-discrimination rules for wellness plans and new rules governing what must be included on insurance plan ID cards. The CAA created a number of new requirements that affect health insurance and coverage. More guidance coming.
We will deliver smarter, more engaging benefits communication solutions to stregthen companies, workers, and their families. . “By working with Flimp we’re elevating how we drive value into the relationship our clients have with their people.
If you’re looking for ways to save on workers’ compensation insurance, you’re well aware of the direct costs that you pay in premiums. But what you may not have considered is the indirect costs of on-the-job accidents and injuries, which go beyond what you pay for workers’ compensation insurance.
Everybody knows at least one gig worker—people who drive for Uber or Lyft, deliver food for DoorDash, freelance on Upwork, rent out rooms on Airbnb, or work a combination of jobs to piece an income together. Gig workers are also exposed to more legal liability. Still, some gig workers are fearless of the challenge.
Are you struggling with how to reduce workers’ compensation costs for your business? If not, do you understand the sizeable risk that workers’ compensation claims pose to your business, and do you have a plan in place for when these claims arise? That’s why controlling workers’ compensations costs is so important to your bottom line.
According to a recent survey, four in 10 American workers live paycheck to paycheck. You as an employer can help by offering group disability insurance to your employees. This insurance helps replace a portion of a worker’s income if they lose their income due to an injury or illness. What it covers. What it covers.
Commercial insurance companies are raising rates in most of their lines to account for increasing claims as well as the cost of claims, but another factor is forcing them to increase their rates further: reinsurance. When insurance companies underwrite policies, they will often not retain all of the risk. What’s happening.
Many group health insurance plan sponsors and administrators have the mistaken belief that the law allows employees enrolling in Section 125 cafeteria plans to change their elections, as long as they do so within 30 days of the plan becoming effective. This is not correct. And this misconception can have serious consequences.
And the majority of documents criminals steal are the same ones your employees receive from their group health insurers. If the thief’s health information is mixed with the victim’s, it could affect the medical care the victim is able to receive, or the health insurance benefits they are able to use. Alert your staff.
The NJ Supreme Court will review whether a workers’ compensation insurance company has a duty to defend an employer against personal injury claims brought by the employer’s employee under an employer's liability insurance policy. The insurance company denied coverage based on the policy's "Employer's Liability EII exclusion."
workers are not spending a significant amount of time researching health plans during open enrollment, including: Satisfaction with their plan — The study found that 90% of employees were satisfied or somewhat satisfied with their employer’s open enrollment process. workers were enrolled in them. In 2022, 32% were.
Compare insurance plans and providers. Also, plans can vary greatly among insurance plans and each insurer will have different deals to offer. Even your current slate of insurers may have plans that you are not offering. Other cost-saving measures.
In recent years, home and car owners across the United States have been facing an uncomfortable reality: rising insurance rates. In this article, we’ll explore why home and auto insurance rates are rising and ways you can help mitigate this increase. Why are car insurance rates going up? Why are home insurance costs increasing?
Any thoughts about using off-site, non-profits or charities to accommodate modified duty for an injured worker? a national workers’ compensation and human resources consulting company. She’s the author of two books: “ From Workers Comp Claimant to Valued Employee ” and “The Injury Management Challenge.”.
An example of this is a client company discovering that they’ve been continuing to pay for medical insurance for a terminated employee. Some compromise may be necessary When you choose your own insurance offering through a broker, you can select from a vast number of available insurancecarriers and plan designs.
For example, while some PEO companies only offer basic HR tasks like payroll services and compliance with tax laws, others provide more comprehensive service suites, including onboarding, health insurance, and administrative tasks. Let’s say you want to provide dental and vision insurance for your employees.
As electric vehicles continue to surge in popularity, the need for comprehensive and cost-efficient electric car insurance has never been more important. Now, get ready to learn about coverage options, factors affecting insurance costs and tips for saving on your electric car insurance.
The appellate court added, however, that the trial court should also have required the carrier to pay its proportionate share of the non-attorney’s fee expenses associated with securing the malpractice settlement. In its letters, it asserted its subrogation rights pursuant to the Texas Workers’ Compensation Act. Insurance Co.
Organizations need to learn to manage workers’ compensation claims. Organizations with organized claims and disability management programs have lower rates of lost work time, reduced costs, and less attorney involvement in their workers’ compensation claims. Lower loss costs means lower workers’ compensation costs.
While your company is shopping for insurance coverage , you’re told you need a loss run report. Now you’re wondering: What is a loss run in insurance and how do you obtain one? Let’s dive into what a loss run is, how you can obtain a loss run for your business and the role that loss runs play in commercial insurance coverage.
If you’re looking for ways to save on workers’ compensation insurance, you’re well aware of the direct costs that you pay in premiums. But what you may not have considered are the indirect costs of on-the-job accidents and injuries, which go beyond what you pay for workers’ compensation insurance. Return-to-Work Program.
As a co-employer, the PEO you choose will ultimately take responsibility for payroll processing, providing workers’ compensation insurance coverage, providing an employee benefits package and a host of other sensitive human resources (HR) and administrative tasks. Is the plan fully insured, or self-funded?
The COVID-19 pandemic and all the stressors placed on workers during this tumultuous time have highlighted how critical mental health , work-life balance and overall wellbeing are. Often, this type of tool is available via your company’s health insurancecarrier. Employee wellness programs versus general benefits.
The New Jersey Superior Court, Appellate Division, ruled that a third-party lien can remain unresolved until the workers’ compensation claim is adjudicated. Joseph filed a workers’ compensation action against NJ Transit and a third-party action against the tortfeasor involved in the accident (the “underlying action”). NJ Transit).
The US Supreme Court (SCOTUS) declined to review the Minnesota Supreme Court’s decision prohibiting reimbursement of medical marijuana costs in a workers’ compensation claim. Therefore, the individual States will remain the authority on whether reimbursement for medical marijuana will be permitted in a workers' compensation claim.
Rising commercial vehicle insurance rates: yet another complication of driving in the corporate fast lane. When it comes to commercial vehicle insurance, it’s a rocky road. Many companies felt the shock of rising insurance rates in 2015, 2016 and 2017. Unfortunately, 2018 hasn’t been any better. Think of a rear end accident.
District Court for the District of Colorado, the Supreme Court of Colorado held that an employee who receives workers’ compensation benefits for injuries caused by an underinsured third-party tortfeasor is not barred from pursuing further recovery from his or her employer’s UM/UIM insurer [ Klabon v. Defendant: Travelers Prop.
Burnett sought workers’ compensation benefits with the employer’s Vermont insurancecarrier, which denied the claim citing a lack of jurisdiction. 616(a) was ambiguous and must be interpreted in context with other provisions of the Workers’ Compensation Act. Burnett appealed to the Vermont Department of Labor.
The allegation is of misrepresentation and the inappropriate collection of only $1,700 in workers' compensation benefits. The motivation was essentially "so that he could stay home from work and collect workers' compensation for months." And, some may think that words like "fraud," "millions" and similar make for good headlines.
Various forms of legislation have been proposed, including the Worker Health Coverage Protection Act and the American Rescue Plan Act. The employer would be responsible for working with insurancecarriers to pay monthly invoices. Both are currently under review by Congress, with a decision expected as early as next week.
FACTS Five workers employed in the State of New York suffered work-related injuries in NY while working for a NY employer. They were treated in a NJ hospital that obtained assignments for medical costs from the patients against the workers’ compensation carrier of the NY employer. Port Authority of N.Y. and N.J. , Super499 (App.
The majority of US employers will be getting a very thick package in their inboxes from their insurance company in the next 60 to 90 days. Note that insurance companies are overwhelmed at this time of year too, so the sooner you get a planning and strategy done, the better your outcomes will be.
The case involved a worker who was injured when opening an electrical panel in the course of his employment. The trial judge found that “Hartford’s exclusion provision was unambiguous, stating “this insurance does not cover any and all intentional wrongs within the exception allowed by N.J.S.A. DELTA PLASTICS, 911 A. Daniels, 434 A.
Below are the five steps to take after your worker gets injured on the job: 1. For instance, you should go to the accident scene with the safety officer to take the injured worker to a safe area and ask the other employees to clear the vicinity. File A Workers’ Compensation Claim. Investigate The Accident.
A recent study provides a potential opportunity for employers and insurance companies to reduce their risk exposure through early sequencing and treatment proactively. Background The workers’ compensation system faces an enormous challenge in 2022 as the novel consequences of the most recent surge of SARS-CoV-2 infection engulf the nation.
The US Supreme Court (SCOTUS) is scheduled to conference the Minnesota Supreme Court’s decision prohibiting reimbursement of medical marijuana costs in a workers’ compensation claim. The petitioner further argues that Minnesota’s workers’ compensation system does not facilitate access to marijuana. 801 et seq.,
Various federal and state laws apply, including your state’s workers’ compensation rules, the FMLA and the ADA. Workers’ compensation absences. Employees who are injured at work are eligible for workers’ compensation benefits. For example, many injured workers can perform other work while recovering.
Workers’ Compensation Claim The Academy’s insurancecarrier denied the claim. The Court added that, as the insurancecarrier explained in its brief, the CAB discounted the treating physician’s opinion because the doctor did not opine that the claimant “actually contracted MRSA at work.”
Background Connelly was a passenger in a vehicle driven by her co-worker Trezona during the course and scope of their employment when Trezona negligently caused an accident, injuring Connelly. Both companies denied the claim, maintaining Connelly’s exclusive remedy lay with the the Act. Code Ann. § Smallwood , 308 S.C. 471, 419 S.E.2d
The US Government filed an amicus curiae brief requesting that the US Supreme Court (SCOTUS) not review the Minnesota Supreme Court’s decision prohibiting reimbursement of medical marijuana costs in a workers’ compensation claim. The US Government was invited to submit a brief by SCOTUS. Mendota Heights Dental Center, et al., 801 et seq.,
Workers’ Comp. Since the employer’s outlay for workers’ compensation benefits exceeded the $150,000 held in escrow, all the funds (after payment of litigation expenses) had to be paid over to the employer. According to Claimant, the employer’s accrued workers’ compensation lien in the amount of $327,861.85, represented 17.3
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