Workers compensation are paid by the employer to the employees. The employees need not pay any cost for receiving the compensation. The arrangement will enable the employees to cover medical expenses and replace the funds with lost wages for the worker for the purpose of injury and disability. These type of expenses are expensive to the employer as the employer has to pay the total cost, as it is no cost benefit for employees. Due to the cost-effective nature of the worker’s compensation, the employers try to look for the methods to reduce the cost. One such way of Workers Compensation Insurance is claiming that the workers are not at liberty for coverage.
Limitations to workers compensation: All the workers working in the companies may not fall under the workers compensation protection. The employees have to know the status of their work as it pertains to such protection. On daily routine workers in thousands suffer from illness and disabling injuries. The employees who are not eligible for workers compensation have to invest in some other forms of coverage. The employees can opt for disability cost or private health insurance by inventing employees own money before accidents happen.
The only resource the employees can utilize who is exempted from workers compensation is to use not in favor of the employer. This takes longer durations and the employees have to prove that the employer is negligent. Claiming for workers compensation is easier than filing a suit against the employer. It is a demerit for the employees who are exempted from worker compensation when they suffer from work associated diseases or work injury
Common worker exemptions: All the workers won’t come under workers compensation scheme. The fundamental guidelines are standard and vary from state to state. However, there are also general guidelines which state which workers are not protected under workers compensation system. Majority of the agricultural workers have not entitled to coverage however minimum workers are eligible for workers compensation. High-level corporate officers such as CEO and president are exempted from the system. Commission earning workers such as real estate agents and other types of agents are exempted from worker compensation. Domestic employees will be exempted from receiving coverage. However, there will be a least number of members who require coverage.
In certain states workers compensation is compulsory and are included in a separate policy or with the owner’s insurance. While in some other states the domestic workers coverage is optional. Domestic workers working for more than 16 hours a week must be covered as well. The house owners hiring maids for three hours a week are not applicable for coverage and on the other hand, the companies supplying home maids to various house owners are necessary to meet the necessities. Family members who are staying at the house of the employer and are taking care of the family business need not be covered. Sole proprietors are not eligible for the requirements coverage however they can pay for the coverage on there own.
Many proprietors, officers of the nonprofit associations, taxi drivers and musicians are not included in the comp coverage. The workers can get clear cut knowledge on the coverage of Comp by contacting the attorney who is expert in workers injury laws.