Who is Eligible for Workers Compensation Benefit

​Everyone’s welfare is important regardless of what nature of work he is in or what kind of employer he has. As humans, we need the right security and protection. Protecting ourselves is also a way to secure our family especially if we are the breadwinner and they depend on us. It is the business’ duty to its employees to assure its safety in times of danger or trouble. Workers compensation is one of the benefits that will protect the workers during bad times. There are three requirements to be eligible for this benefit:

The Employer Must Have His Own Worker Compensation Benefit
The majority of employers are required to have their worker compensation benefit. However, the law varies among states. Employer’s duty to get coverage for its employees depend on the number of employees the business has, what type of business it is, and the kind of work it gives its employees. For most states, they require an employer to have at least one employee with coverage. Other states demand two to five employees.
 
You Must Be an Employee
It may sound obvious, but businesses must know that not all workers are considered as employees regarding worker compensation benefit. The employees in exclusion are freelancers, people from the “gig” industry, and consultants. However, there are instances of the Uber drivers who claimed themselves as an independent contractor instead of employees.

This benefit varies depending on the state laws.  Volunteers are not eligible for this coverage, but there are circumstances where states offer protection to volunteer firefighters.
 
Injuries Should Be Work-Related
Anything that employees do for their employers is work-related, but there are instances that it is not valued as such when the employee is out of the company’s premises. Say, he is on a lunch break and he got injured or during social gatherings held by the organization. There are lots of legal matters and factors to review before claims and coverage may take into implementation.

There are also different kinds of workers that have special rules before they can be eligible for workers compensation benefit. They are the farmers or agricultural workers, loaned and leased employees, domestic and seasonal workers, and undocumented workers.
 
Whichever type of employee you have, make sure that you give them the justice of employment. Assure them that they are in good hands no matter what they go through as they work in your company. Get the coverage and gain their loyalty in the process. At CSIS Insurance Services, Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. To learn more about how we can help you, please contact our agency at (888) 501-2747 or Click Here to request a free quote.