Claire is a senior caregiver that severely twisted her ankle while going down the stairs on the job. She went to urgent care and was told she had a serious sprain and needed time to heal. She would need to stay off her feet as much as possible for the next three weeks. The clerk at the doctor’s office explained that she should file a worker’s compensation claim to ensure the urgent care bills were paid. Claire also learned workers compensation insurance policies also generally cover payments made to employees for lost wages while they are out of work.
Because Claire’s household employer hired HomeWork Solutions (HWS) for payroll services and purchased a Worker’s Compensation Insurance Policy through the company’s insurance partner, the employer was able to get Claire’s situation taken care of without any hiccups. The employer contacted the HWS insurance partner, and the staff coordinated with Claire to file and process her claim. Her urgent care visit, x-rays, medication, and follow-up doctor’s appointment totaled to more than $2,000 and everything was covered under the worker’s compensation policy. Claire also received $600 per week in replacement income while she was unable to work.
The Importance of Household Employer Workers Compensation Insurance
Accidents can – and do – happen on the job. That’s why it’s critical to add worker’s compensation insurance when you hire a senior caregiver. In fact, some states even have laws requiring household employers to purchase worker’s compensation insurance for their employees. If you aren’t sure what your legal obligations are as a household employer, things can get messy – and expensive.
As an employer, working with our team at HWS can save you significant time and hassle in your payroll and tax compliance. We will also work with you to find a worker’s compensation policy that works for your situation. Being prepared is important: just one simple mistake or accident on the job by your employee could yield unexpected costs or delays. Contact our experienced team today at 1-800-626-4829 or email@example.com.