{"id":5505,"date":"2015-02-23T09:59:50","date_gmt":"2015-02-23T14:59:50","guid":{"rendered":"http:\/\/gtm.com\/household\/?p=5505"},"modified":"2016-02-24T14:10:54","modified_gmt":"2016-02-24T19:10:54","slug":"workers-compensation-and-disability-insurance","status":"publish","type":"post","link":"https:\/\/gtm.com\/household\/workers-compensation-and-disability-insurance\/","title":{"rendered":"Case Study: Workers&#8217; Compensation and Disability Insurance"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-medium wp-image-5507 img-rounded\" alt=\"workers' compensation and disability insurance\" src=\"https:\/\/gtm.com\/household\/wp-content\/uploads\/bigstock_Young_woman_with_back_pain_is_26835851-200x300.jpg\" width=\"200\" height=\"300\" \/>Household employers should never\u00a0assume that workers&#8217; compensation and disability insurance liability is covered under their Homeowner\u2019s Insurance Policy. A single work-related accident could leave you, as the employer, liable for thousands of dollars in medical bills and feeling\u00a0obligated to pay for lost wages. Workers\u2019 Compensation will cover necessary medical bills and a portion of your employee\u2019s wages should he\/she become injured or ill as a result of duties. Please see the case study below for an example of how working with a company like GTM can be beneficial regarding this issue.<\/p>\n<p><strong>The Situation<\/strong><\/p>\n<p>According to <a href=\"http:\/\/www.wcb.ny.gov\/content\/main\/Employers\/lp_workers-compensation.jsp\" target=\"_blank\">New York State law<\/a>, any employer with employees working more than 40 hours per work week must provide workers\u2019 compensation and disability coverage. A household employer that recently became a client of GTM had not been informed by her former payroll provider that she needed to provide both workers\u2019 compensation and disability insurance for her employee. She faced a fine of $6,500 from the New York Workers\u2019 Compensation Board for being without coverage.<\/p>\n<p><strong>GTM\u2019s Solution<\/strong><\/p>\n<p>By working directly with the New York Workers\u2019 Compensation Board, GTM\u2019s payroll and tax experts immediately reduced the compliance penalty she faced. In addition, GTM worked with the household employer to obtain the correct insurance coverage necessary for her. Since many household employers don\u2019t readily understand the difference between workers compensation and disability insurance, GTM educated the household employer on how workers\u2019 compensation coverage applies (when a worker is injured on the worksite or in performing specified tasks by the employer) vs. disability (when an employee is ill or injured off the job and cannot perform her\/his duties, including pregnancy).<\/p>\n<p>Even in <a title=\"Workers\u2019 Compensation Requirements by State\" href=\"\/household\/resource-center\/workers-comp-requirements\/\" target=\"_blank\">states where workers\u2019 compensation is not required<\/a>, GTM recommends obtaining coverage, as a single work-related accident could leave an employer liable for thousands of dollars in medical bills and feeling obligated to pay for lost wages.<\/p>\n<p><strong>The Results<\/strong><\/p>\n<p>GTM worked with the Workers\u2019 Compensation Board to significantly decrease the penalties. The household employer\u2019s disability penalty was totally eradicated ($0) and her workers\u2019 compensation compliance penalty was reduced to $1,000\u2014a 100 percent reduction for disability and a $5,500 reduction for workers\u2019 compensation!<\/p>\n<p>For more information, <a href=\"\/household\/contact-us\/\" target=\"_blank\">contact<\/a> GTM&#8217;s Household Employment Experts at (888) 432-7972.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Household employers should never\u00a0assume that workers&#8217; compensation and disability insurance liability is covered under their Homeowner\u2019s Insurance Policy. A single work-related accident could leave you, as the employer, liable for thousands of dollars in medical bills and feeling\u00a0obligated to pay for lost wages. Workers\u2019 Compensation will cover necessary medical bills and a portion of your [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[82,77],"tags":[22,31,34,37,61],"class_list":["post-5505","post","type-post","status-publish","format-standard","hentry","category-employee-benefits","category-workers-comp-insurance","tag-employee-benefits","tag-household-employer","tag-household-payroll","tag-insurance","tag-workers-compensation"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Case Study: Workers&#039; Compensation and Disability Insurance - GTM<\/title>\n<meta name=\"description\" content=\"Household employers should never assume that workers&#039; compensation and disability insurance liability is covered under their Homeowner\u2019s Insurance Policy.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gtm.com\/household\/workers-compensation-and-disability-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Case Study: Workers&#039; 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