By law, if an employee is injured on the job, or becomes ill due to working with hazardous materials or other environmental elements, employers must compensate their workers by companies like http://www.dibroker.com. Employers are not, however mandated to pay for disability insurance on behalf of their employees. In order to obtain information for individual state […]
By law, if an employee is injured on the job, or becomes ill due to working with hazardous materials or other environmental elements, employers must compensate their workers by companies like http://www.dibroker.com. Employers are not, however mandated to pay for disability insurance on behalf of their employees.
In order to obtain information for individual state labor codes, The Department of Labor’s website includes a section titled the “Division of Federal Employees’ Compensation (DFEC) State Workers’ Compensation Officials”. This section provides an alphabetical state-by-state listing of contact information for the appropriate officials. While these offices are charged with evaluating long-term and permanent disability cases, they also provide a variety of informational and legal resources.
To use California as an example, California’s Labor Code mandates that workers be covered. According to cal.gov’s FAQ sheet, “Employer responsibilities”, “Section 3700.5 of the California Labor Codes makes it a misdemeanor punishable by either a fine of up to $10,000 or imprisonment in the county jail for up to one year, or both. Additionally, the state issues penalties of up to $100,000 against illegally uninsured employers.”
In terms of disability insurance, The California Employment Development Program administers a state, a voluntary, and an elective plan for disability insurance. According to their “Workers’ Comp” FAQ sheet, most employees will fall under the State Plan, and is their site’s primary focus. The Voluntary Plan, however, is private, and requires employers and employees to be in agreement prior to approaching the EDD for approval. In order to apply for the Elective Coverage Plan, it is recommended that individuals contact the Elective Coverage Unit (ph.: 916-654-6288). One of the stipulations of this plan relates to whether or not employers or employees are subject to the California Unemployment Insurance Code. This includes employees who may be self-employed, be part of a family or home-based business, as well as others.
