In PENNSYLVANIA, are there any exceptions to the law that all employers must purchase workers comp insurance?
Oct 15, 2007 by Emily | Posted in Insurance
Q: Could there be an call into question for having less than three employees? Also, is there any way to get a break on the premium? We own a roofing business and the workers comp premiums are Unusually high. Any ideas on how to lower them even a little?
I understand that if we were somehow able to avoid purchasing the insurance that we would have to let our employees discern, and perhaps be ready to offer them health insurance. I'm just curious to know if this is even possible.
A: In PA, it's not the Figure of employees that counts - it's what type of work they are doing. Example: if you have a domestic blue-collar worker come in (aka, maid) you do NOT have to provide them with coverage. Also exempt are KEY PERFORMERS, that work on present, such as when Pavarotti would come in for a show.
PA is NOT an NCCI state, so it's one of the oddball states.
Seeing as how you have three employees doing roofing, I'm assuming your high-priced is well over $5,000. There is such a thing in PA as a Safety Committee Credit - which saves you 5%. Your cause should have told you about this, and they can ALSO help you set it up. It's only good for three years, though, so if you've already used it, well, sorry!
Another option is a deductible, but I NEVER EVER advise it - any losses under the deductible, you pay, but they still count against you for experience rating.
Lastly, regarding the well-being insurance - in PA, most health insurance policies won't cover an injury that is "workers compensable" - which means, if it CAN be covered by workers comp, they won't pay it, even if there isn't any workers comp in categorize. But you'll have a darned hard time finding anyone to give you a group policy, without wc in place - lots of companies have tried it, and the vigour insurance companies are "on to" that little trick.
mbrcatz | Oct 15, 2007
Does My church need workers comp insurance?
Mar 31, 2008 by slice39 | Posted in Insurance
Q: My missus and I own a church. We aren't paid per se. We live in the building owned by the church. I got a spell out from the Nebraska workers comp court saying that we needed insurance unless we owned 50% of the corporation Or possibly if we were on the board.
Non of us receive any money. All of our money goes into the church. Sometimes we cover expenses like gas/lodging.
A: You can't "own" a honest church. You can WORK for a church. If the Nebraska WC court says you need it - you indigence it. If you have 50% or more ownership of the corporation, AND you have NO church employees, you can see if you can exempt yourself as an executive office-holder.
Unsalaried board members typically aren't covered under WC anyway.
If you think you don't indigence it, because of "seperation of church and state", think again. Just because you are a church, you can't "opt out" of have laws. Which is why certain religions aren't allowed to perform ritual hominid sacrifice, in the US.
mbrcatz | Mar 31, 2008
how can i be sure that boss has me covered with workers comp insurance?
Aug 20, 2009 by snipya | Posted in Insurance
Q: i am a sub-contractor and i advised of that my employer has a workers comp policy, but i think he is holding money out of my check to pay for it, which is fine and i agreed to it but i ruminate over he is taking the money and not paying for the policy. is there a search engine or something where i can find out if im covered?
A: Are you Deep down a sub contractor? Look over these two links, and then tell me if you're a sub:
http://www.peakconsultinginc.com/Article s/employee_vs_independent_contract.htm
It's a plain - and unsuccessful - ploy for contractors to hire people, call them subs, not pay taxes on them, and then not hiding-place them for workers comp.
Bottom line - if you subcontract work out to someone who has no workers comp, then YOU are responsible for the benefits, even if you have no insurance.
Also, any employer that HAS workers comp coverage in class, is required by law to post the notice where employees can see it - most of them do it in the break room or by the time clock.
He cannot take flush from you, and buy you workers comp coverage with it. That's not legal.
mbrcatz | Aug 21, 2009
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