{"id":4630,"date":"2014-05-08T12:26:09","date_gmt":"2014-05-08T16:26:09","guid":{"rendered":"http:\/\/gtm.com\/household\/?p=4630"},"modified":"2016-02-24T15:00:54","modified_gmt":"2016-02-24T20:00:54","slug":"do-i-need-workers-compensation-for-my-nanny","status":"publish","type":"post","link":"https:\/\/gtm.com\/household\/do-i-need-workers-compensation-for-my-nanny\/","title":{"rendered":"Workers’ Compensation 101 for Household Employers"},"content":{"rendered":"

\"do<\/p>\n

Do household employers need to have a workers\u2019 compensation policy for their nanny?<\/b><\/p>\n

Depending on the state in which you reside, you may be required by law to provide and maintain Workers\u2019 Compensation coverage for your nanny or other household employee. In some states the coverage is voluntary, but it is still a good idea to have the insurance coverage since the nanny will be working in your home caring for your children and accidents can happen.<\/p>\n

Workers\u2019 compensation is currently required in the following states*:<\/p>\n

Full-time & Part-time Domestic Employees: <\/i>AK, CA, CT, DE, DC, HI, IA, KS, MD, MA, MN, NH, NJ \u00a0OH, OK, SC, SD;
\nFull-time Domestic Employees: <\/i>CO, IL, KY, MI, NJ, NY, UT, WA<\/p>\n

*Check with your state’s Department of Labor<\/a> for more detailed information.<\/p>\n

<\/b>
\nDoes Workers\u2019 Compensation benefit the Employer or the Employee?<\/b><\/p>\n

A single work-related injury or illness could leave an employer liable for thousands of dollars in medical bills and lost wages. Workers\u2019 Compensation insurance is considered a benefit to the employer because it covers necessary medical bills and a portion of the employee\u2019s wages if they become injured on the job or ill as a result of a work related incident. This ultimately protects the employer from a lawsuit. Another benefit is the security knowing that coverage is available in the event of an employee injury on the job.<\/p>\n

What is the difference between Workers\u2019 Compensation and Disability Insurance?<\/b><\/p>\n

Workers compensation protects the employer if their employee is injured on the job or becomes sick as a result of a work related illness.\u00a0 Disability insurance is an employee benefit that compensates employees for some lost wages due to an illness or injury that is not work related.<\/p>\n

What does Workers\u2019 Compensation cover?<\/b><\/p>\n

Depending on state laws and regulations, workers\u2019 compensation may cover:<\/p>\n