CONTRACTORS WORKERS COMPENSATION:
Workers Compensation Insurance offers coverage for 'Contractors Employees' on the job injuries and loss of earnings protection plus is designed to provide response for defense to the business owner, known as Employers’ Liability, provided to defend you against covered claims presented for frivolous or wrongful injury and negligence brought by employees against you. In each state, businesses with employees are often required by various State Laws to carry some type of workers compensation insurance.
Your clients will often command that you produce a 'Certificate of Liability' to prove you have workers comp and they will usually ask for a 'Waiver of Subrogation' which we will help schedule for you as a either a 'Blanket Waiver' or a 'Scheduled Waiver' (we will help guide you on the options). Some clients request certain and specific 'Special Wording' to accompany their certificates; ask for their 'Insurance Requirements' prior to bidding or accepting any contract and let's read your contract insurance requirements together, to be sure the cost is something you are aware of (and we help identify other contractors coverage being commanded), plus so you include those costs in your bid. Furthermore, we help elaborate so that you understand what additional responsibilities or liabilities you may be assuming/accepting.
The below categories are offered as a guide, for you to implement, to know and practice for the health and longevity of your company. Please ask us to assist with all questions you come across until you can effectively lead by example and live by your company’s safety program, based on your ‘safety program’ and ‘code of ethics’ (these should both be in the form of written manuals).
Implement and participate in your carriers’ ‘Medical Provider Network’ (MPN), understand why this helps you be in control of doctors and their approach to treating your employees plus, if practiced, assist with a potential pre-screen at pre-hire.
Follow OSHA Written Injury Illness Protection Program (IIPP), OSHA Requirements and Postings such as ‘Safety Manuals’ and ‘Posters’ onsite are the law, know your state requirements and have their phone numbers on-hand for injury reporting, keep records of safety meetings held every 10 days.
Understand what constitutes ‘First Aid’ and how that can affect you if you are ‘Experience Rated’, with a ‘Modification Factor’ (MOD)
Create a ‘Return to Work Plan’ (RTW), this pays injured employees less and is in combination to workers comp benefits designed to motivate employees that are injured to be active by participating in company function, under your directive so they can be motivated to return to their regular job description sooner.
Have a ‘Wellness Plan’, these plans breed a healthy atmosphere both in the overall health and morale of employees in general; creating a deeper interest in and encouraging employees healthy life choices leads to loyal, good natured people with healthy habits.
Make a written ‘Code of Ethics’ and a ‘Safety Manual’, following these and leading by example are the utmost paramount to the health and longevity of your company.
(United States Longshoreman's & Harbor Workers/USL&H)
Your job requirements will help us determine if you need Longshoremen's or we can contact the Labor Department in your area. For a quote on your USL&H click HERE.
Link: http://www.dol.gov/owcp/dlhwc/regs/compliance/91-22.htm
Division of Longshore and Harbor Workers' Compensation (DLHWC) Fact Sheet ESA 91-22
-Workers' Compensation under the Longshore and Harbor Workers' Compensation Act
The Longshore and Harbor Workers' Compensation Act provides compensation benefits to approximately 500,000 workers for disability due to an injury or an employment-related occupational disease occurring on the navigable waters of the United States, or in adjoining shoreside areas, and for certain other classes of workers covered by extensions of this act.
The act provides medical, surgical and hospital services and supplies. The employee is allowed a choice treating physician, as authorized by the Secretary of Labor.
An injured employee is eligible to receive compensation for disability at the rate of 66 2/3 percent of the employee's weekly salary, subject to the specified maximum in effect at the time of injury, for as long as the effects of the injury continue. Compensation is also available for permanent impairment of specified limbs, for hearing loss, and to replace loss of earning capacity.
The minimum rate of compensation is 50 percent of the national average weekly wage or the employee's full wage if less. The maximum compensation rate is 200 percent of the current national average weekly wage as determined by the Secretary of Labor.
Benefits are paid to a widow or widower or other eligible survivors, if an injury causes death. Funeral expenses are paid up to $3000. The surviving spouse of a covered employee receives 50 percent of the average weekly wages of the deceased employee for life or until remarriage. Awards to dependent siblings, children, and grandchildren end when they reach age 18, but may be extended if the child is a student or is incapable of self-support.
If an employee or his or her survivors, or an employer or insurance carrier disagree with a recommendation of the Office of Workers' Compensation Programs, a formal hearing may be requested before an administrative law judge. Appeal from an administrative law judge's decision may be taken to the Benefits Review Board. Subsequent appeal from the Benefits Review Board may be taken to the U.S. Court of Appeals and finally to the United States Supreme Court.
Employers are responsible for insuring the payment of compensation and medical benefits to injured employees. This is provided through private insurance carriers, or by employers who are authorized to become self-insured. Benefits under this program are not funded by the government.
Link: http://www.dol.gov/owcp/dlhwc/lsfact.htm
The Longshore Compensation Act provides over $747 million in monetary, medical and vocational rehabilitation benefits in more than 27,000 cases annually for maritime workers and various other special classes of private industry employees disabled or killed by employment injuries or occupational diseases. In addition the Longshore compensation program maintains over $2.8 billion in securities to ensure the continuing provision of benefits for these injured workers in cases of employer insolvency. Claimants depend upon timely receipt of these benefits to provide food, housing and a minimal standard of living for themselves and their families.
The Longshore and Harbor Workers' Compensation Act, administered by the U.S. Department of Labor, provides medical benefits, compensation for lost wages and rehabilitation services to longshoremen, harbor workers and other maritime workers who are injured during the course of employment or suffer from diseases caused or worsened by conditions of employment. Several other statutes extend the provisions of the Act to cover other classes of private-industry workers. These include workers engaged in the extraction of natural resources of the outer continental shelf, employees on American defense bases, and those working under contracts with the U.S. government for defense or public-works projects, outside of the Continental United States.
During FY 2005 in excess of $747 million in compensation and medical benefits will be paid in approximately 27,000 cases covered under these compensation acts. These benefits constitute the only source of income for many families. Medical benefits provide the treatment necessary to recuperate and return to gainful employment when timely provided.
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