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December 2016 Archives

What you need to know about workers’ compensation subrogation

Before modern workers’ compensation laws were implemented, employees who were injured on the job had to sue the business owners if they wanted to receive any support or compensation. While current California laws force employers to provide insurance for onsite accidents that result in injuries, changes have also been made to reduce the ability of others to enter into a lawsuit over the incident.

Top industries for fatal work injuries

While most jobs carry some risk, there are certain industries that are more dangerous than others. The California Department of Industrial Relations found that 344 workers were killed on the jobsite during the year 2014. While the majority of the deaths occurred in the private sector, 38 of the total number were government jobs. There are many different industries that were involved.

Red flags of employee fraud

When it comes to workers’ compensation, there are several different ways an employee could be committing fraud. The California Department of Insurance states that some of the most common examples include lying about the ability to work, extent of the injury or place where the injury occurred. Medical professionals can also join an employee in fraudulent activities by billing for service that was not provided or giving more treatment than is necessary. There are several red flags that employers can watch for to indicate that dishonest activity may be occurring.

The real cost of uninsured employers

When it comes to ensuring the health of employees, the government has sought to protect workers by requiring businesses to maintain a workers’ compensation insurance policy. Some businesses try to avoid paying premiums by neglecting this type of insurance, but the real cost of this illegal action may be surprising.

Alternate worker’s compensation insurance options

The success of a company often depends on the business owner’s ability to make good decisions. When it comes to worker’s compensation, many employers may feel like they do not have a choice in the matter because of state regulations and laws. The State of California Department of Industrial Relations says that any company that hires employees must carry a worker’s compensation insurance policy with a premium rate determined by the specific industry, number of employees and past injuries of the business.

Fighting Back as a Small Business Against Workers' Comp Fraud

Most employers are required to carry workers' compensation insurance in order to support and protect their employees in case of injury or illness that occurs on the job. Some do this with an official policy or as part of their regular business insurance. Others set aside an account in order to self insure against whatever might happen. In most cases, employees don't file a claim unless they are actually hurt on the job, but there are exceptions. Some employees get hurt, but the injury isn't a result of what they do at work. Others might take a very minor injury and attempt to make it look as if it causes them more pain and suffering than it actually does in order to get a worker's compensation settlement, which is more than what they deserve. Like other forms of insurance, the more it is utilized, the more premiums rise. For a small business that operates on a tight budget, this can seriously impact their ability to expand. In many cases it can mean the difference between staying in operation or not.

Types of workers’ compensation fraud

When it comes to jobsite injuries, worker’s compensation can allow employees to heal without suffering financially. It can also give scammers the opportunity to make money by fraud rather than legitimate injury. The Coalition Against Insurance Fraud reports that there are several different ways for criminals to take advantage of the system.

How much can I be fined for not having workers' comp insurance?

As an employer, you may have a number of obligations related to your business. For example, you may need to hire staff for an upcoming season or you could be dealing with an employee's lawsuit. However, you could find yourself in a particularly difficult situation if you are uninsured. In Los Angeles, and across the entire state of California, employers are required to provide workers' compensation coverage, even if they only have one employee. If your business does not have workers' comp, you could face various consequences, including stiff fines.

Injured workers and Social Security disability

In California, employees are hurt in the workplace on a daily basis. For some injured workers, different challenges may arise. For example, people may struggle with daily tasks because they have an inability to walk or drive. In Los Angeles, and other parts of the state, injured employees may also experience financial hardships due to missing work. However, some people claim they are in this position solely to take advantage of Social Security disability benefits.

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