Insurance

How to Avoid Paying Worker's Compensation
Insurance

How to Avoid Paying Worker’s Compensation

- by Benny McAdams

Employers can avoid paying workers’ compensation insurance by forcing injured employees to return to work after being out injured. Although an employer may say the injured worker won’t have to perform their regular duties, an injury sustained during employment will likely result in a worse condition. Moreover, they may offer regular wages, which are not enough to cover the cost of future medical care. In addition, regular wages do not protect the injured employee from termination, and the employer may even threaten to terminate the employee unless they give up.

Can an employer stop paying workers’ compensation?

Can an employer stop paying workers’ compensation if you’re injured at work? There are two common situations when an injured worker can be fired and no longer receive compensation benefits. When an employer wants to stop paying benefits, they must provide the injured worker with a Notice of Suspension. If the injured worker has returned to work, an insurance company can file a petition to stop benefits. This happens when the employer thinks the injured employee is “faking it” or argues that the injury didn’t occur on the job. However, the injured worker has to agree to the request before the employer can stop paying benefits.

An employer wants to terminate benefits without notice. When workers are notified that they can no longer work, the employer must allow them to return to light-duty work. It must be made within ten days after the injury, and the injured worker must accept the offer. If workers refuse to return, they can have their benefits stopped.

Can an employee force an employer to carry workers’ comp?

Under workers’ compensation laws, every employer must carry a workers’ compensation policy. However, if an employer fails to carry coverage, it must notify its employees. Failure to have the insurance …

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How Workers' Compensation Helps Injured Employees
Insurance

How Workers’ Compensation Helps Injured Employees

- by Benny McAdams

Employers in the United States are obliged to provide a healthy and safe working environment for employees. The workers’ compensation Maitland FL, system provides compensation for employers who are injured in the course of their job duties. 

What Is Workers’ Compensation?

All U.S. businesses with regular employees are required to carry a workers’ compensation policy that pays for medical care and other expenses in the event of a job-related injury or illness. These policies pay for both medical and rehabilitative care and additional expenses such as wages for missed work. Employers are not required to carry workers’ compensation insurance policies for contract workers. 

How Do You File a Claim?

The first step in filing a workers’ compensation claim is to report the injury or illness to a representative of the employer as soon as possible. In most cases, this would be an immediate supervisor. In many companies, the entire workers’ compensation process will be overseen by someone in human resources. The employer will make arrangements for the employee to receive immediate care and fill out the claim paperwork.

How Does Workers’ Compensation Pay?

When a workers’ compensation claim is filed, all medical care should be taken care of through that claim. The employee will not be asked to pay any out-of-pocket expenses, nor should they have to present their own insurance for payment.

Do I Need a Workers’ Compensation Lawyer?

While there is no requirement to retain the services of a lawyer to assist with a workers’ compensation claim, many experts do recommend it. Throughout the workers’ compensation process, the employee will be asked to sign legal documents and accounts of the accident and speak with insurance adjusters. Having a lawyer who understands the law can provide peace of mind and assure that all possible expenses connected with the …

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A Smart Guide To Startup Insurance
Insurance

A Smart Guide To Startup Insurance

- by Benny McAdams

Every business at one point or the other started just the way you did. The fortune billion-dollar company on the front page of Forbes today started small. Like I love to say; do not despise the days of small beginnings! Literally! If by now you are not prepared to spend above and beyond your financial plan for your startup, then you shouldn’t be here. Startup businesses share their experience at Lemonade Insurance Reviews; you should check it out!

Unlike businesses with investors, you are most likely going to be your investor for now. Meaning you have to fund everything your business needs through the first phase. Just maybe after a significant level of progress, you would get investors. So what happens when a fire hazard comes crawling into your store? How do you pay for car repairs when the only truck for delivery gets into an accident? This smart guide would tell you the basics of startup insurance.

Property Insurance

Irrespective of the size of your company space or building, you need property insurance to be safe when damage comes. We’ve had thousands of startup companies go into bankruptcy due to a lack of property insurance. You do not want to fall a victim of such; since you value your business and the service you render to folks. Property insurance sometimes covers more than the building space depending on the insurance option. Hiring a good and reputable insurance agency today to look out for viable options for your startup.

Vehicle Insurance

In this age and time where delivery is the other of the day, you need a guaranteed means of transportation for your services. It is not enough that you have a vehicle for transporting your consumers’ requests. You should also take a more deliberate step in insuring the …

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