Employee Benefit Workers’ Compensation Insurance
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Employee Benefit Workers’ Compensation Insurance
Employers have a legal and moral obligation to provide their employees with a safe working environment. However, even with the finest safety precautions in place, accidents cannot be completely avoided; at most, they may be mitigated. It is the employer’s obligation to provide a safe workplace, carry workers compensation insurance, and safeguard his employees from financial hardship in the case of a working injury. Workers’ compensation insurance protects employees who are injured not just on the job, but also while on the road. It also covers ailments that are caused by one’s job. Workers compensation insurance protects companies from lawsuits arising from workplace accidents, as well as providing medical treatment and reimbursement for lost wages to injured employees. Workers compensation insurance compensates injured workers regardless of who is at blame. Surviving spouses and dependents are also eligible for death benefits. When a worker suffers a work-related accident or illness, workers’ compensation insurance protects both the employer and the afflicted worker financially.
Workers who work for a company on a regular, casual, or contract basis are considered employees and must be protected by a workers compensation insurance policy. Even trainees and apprentices are considered workers for the purposes of workers compensation insurance. All people who get salaries or commission, regardless of the number of hours they work each week or whether they labor away from the employer’s facilities, are considered workers. Many employees are classified as considered workers, including rented or hired workers, outworkers, mining laborers, boxers, wrestlers, referees, and entertainers, salespersons, canvassers, collectors, volunteer ambulance workers, rural workers, and others. Workers’ compensation insurance is a legal requirement. If you are not covered by worker compensation insurance as an employer, you may be subject to fines of up to $5,000 per worker, as well as a sum equivalent to any evaded premiums retroactively for a period of five years. The legislation is strict, and if you remain uninsured after your conviction, you will be charged with a separate and additional violation for each week you are uninsured.
Workers compensation insurance is required for all sole proprietorships and partnerships that employ employees. However, this insurance would only cover workers, not solo traders or partners. In the event that a sole trader or partnership is injured and unable to work, they might consider purchasing a personal accident and illness insurance or an income protection policy. However, this is a choice rather than a mandate. Workers compensation insurance is required for all employees of a private limited firm. Working directors or directors who do employee-like tasks are considered corporate employees.
Workers’ compensation insurance protects employees when they are employed in any trade or company and/or acting on their employer’s orders. When a worker suffers an injury or develops a health problem, the insurance coverage protects both the person and the company from financial loss. It pays weekly payments to injured workers to cover their loss of earning capacity as well as appropriate medical and vocational rehabilitation costs to help them recuperate and return to gainful employment. If a worker is unable to return to work due to unusual circumstances, he or she may be eligible to specialized retraining and, in some situations, lump sum compensation. It’s important to remember that workers’ compensation insurance does not cover injuries sustained while traveling between home and work or vice versa.
Employee Benefit Workers’ Compensation Insurance
RUBRIC
Excellent Quality
95-100%
Introduction 45-41 points
The background and significance of the problem and a clear statement of the research purpose is provided. The search history is mentioned.
Literature Support
91-84 points
The background and significance of the problem and a clear statement of the research purpose is provided. The search history is mentioned.
Methodology
58-53 points
Content is well-organized with headings for each slide and bulleted lists to group related material as needed. Use of font, color, graphics, effects, etc. to enhance readability and presentation content is excellent. Length requirements of 10 slides/pages or less is met.
Average Score
50-85%
40-38 points
More depth/detail for the background and significance is needed, or the research detail is not clear. No search history information is provided.
83-76 points
Review of relevant theoretical literature is evident, but there is little integration of studies into concepts related to problem. Review is partially focused and organized. Supporting and opposing research are included. Summary of information presented is included. Conclusion may not contain a biblical integration.
52-49 points
Content is somewhat organized, but no structure is apparent. The use of font, color, graphics, effects, etc. is occasionally detracting to the presentation content. Length requirements may not be met.
Poor Quality
0-45%
37-1 points
The background and/or significance are missing. No search history information is provided.
75-1 points
Review of relevant theoretical literature is evident, but there is no integration of studies into concepts related to problem. Review is partially focused and organized. Supporting and opposing research are not included in the summary of information presented. Conclusion does not contain a biblical integration.
48-1 points
There is no clear or logical organizational structure. No logical sequence is apparent. The use of font, color, graphics, effects etc. is often detracting to the presentation content. Length requirements may not be met
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