Workers compensation and disability insurance?
The state regulations governing who needs to obtain worker’s compensation and disability insurance vary. Although we can help in determining what your state requirements are it’s much easier to call your licensed insurance broker and discuss the requirements locally. Typically we hear that the insurance agent will add a rider policy on to your home owners for a nominal fee (under $100). This is an important call to make because if you employee is injured at your house the injury will not be covered under your liability section of your home owners policy. Remember this is true if you properly register as a household employer or if you pay the employee under the table. Don’t think that this is just one more costs that I wouldn’t pay if I paid the employee under the table. Also, remember that Worker’s Compensation is protection mandated under state law for a worker and his or her dependents against injury and death occurring in the course of employment. It is not health insurance, and it
Related Questions
- How does long term disability insurance interact with social security disability and workers compensation benefits?
- Can I receive Social Security Disability Insurance payments and Workers Compensation benefits at the same time?
- Whats the difference between workers compensation and disability insurance?
