w orkplace r isk workers’ compensation & unemployment
TRANSCRIPT
WORKPLACE RISK
Workers’ compensation& Unemployment
WORKERS’ COMPENSATION
In all but one (Texas) of fifty States employers are required to carry workers’ compensation.
Before there were laws requiring workers' comp. workers who were often disabled, killed, or injured on the job had to pay on their own.
Workers’ comp was put into place to help cover injuries on the job or pay a substantial death benefit to compensate survivors.
WORKERS’ COMPENSATION
High insurance premiums are an incentive for employers to maintain a safe workplace
By keeping it safe they can lower injuries and lower premiums.
Occupational Health & Safety Administration (OHSA)
WORKERS’ COMPENSATION
What it CoversVaries from state to state but most: medical
expenses, physical and/or occupational therapy and rehabilitation, job training, percentage of lost wages (2/3) tax free, compensation for loss of a limb or other body part, disability coverage, vocational training if unable to return
In case of death agreed upon death benefitsAdaptive Technology: if the loss of your
finger prevents you from performing your old job the employer will have to put some type of technology so you can.
WORKERS’ COMPENSATION
What it Covers cont…Repetitive injuries: data entry, shipping
clerk, or others may lead to injury because of repeatedly performing same activity over long period of time
In turn for accepting workers’ compensation benefits, you cannot sue your employer for damages unless by hazardous and employer negligence.
WORKERS’ COMPENSATION
Eligibility : Who’s Covered, Who’s Not? Injuries not covered: Sate laws differ but in
general you would have trouble with workers’ comp for Injuries you inflicted on yourself Injuries you suffered while under the influence Injuries suffered in the course of a fight you started Injuries you suffered while disobeying orders or
violating employer policy Injuries suffered while committing a crime Injuries suffered while not on the job
WORKERS’ COMPENSATION
Filing A Workers’ Compensation First, Notify your Employer Second, Follow Doctor’s Orders Third, File your Claim Always Document Everything
UNEMPLOYMENT INSURANCE
1935 part of the Social Security Act Pays benefits to unemployed workers who
meet certain eligibility requirements called claimants
This program has two main objectives 1. Give economic relief to workers and their
families 2. Promote economic stability
Each state sets unemployment insurance standards for employers and employees within its borders.
UNEMPLOYMENT INSURANCE
Unemployment is funded through a system of federal and state taxes paid by employer but in few state by both employer and employee.
Who is Eligible? Individuals who meet their state’s requirmensts
for wages earned or time worked during the base period usually a year
Unemployed through no fault of their own Must be able to work Must be available to work Must be actively searching for work
UNEMPLOYMENT INSURANCE
Who is Not Eligible Individuals who quit job voluntarily Individuals who are fired for reasonable cause
Reasonable cause means gross misconduct, alcohol or controlled substance, theft or crimes, refusal to follow instructions.
Individuals involved in Labor Dispute Unions on strike
UNEMPLOYMENT INSURANCE
Filing a Claim First, you File
SS#, Name and address of your employers last 18 months, plus dates you worked for each
Proof of your immigration status if you are not U.S. Citizen
If you withhold information or falsify you may face fraud.
Your Former Employer Verifies Benefits
If goes smoothly then 2-3 weeks to receive benefits
Indiana: $30,000 year $30,000 /52 weeks = $576.92 $576.92 x .47 = $271.15 (always round down) $271 week does not exceed $390
UNEMPLOYMENT INSURANCE
Benefits The UI is for 26 weeks and then there are 4
extension with the federal government. Then after all extensions are up then you can apply for the state extension. So if you are able to draw all those weeks it is a total of 99 weeks of unemployment benefits. The only thing to keep in mind is that they need to be eligible to receive all those wks.
UNEMPLOYMENT INSURANCE
Maintaining Your Eligibility Must be able to work Must be available for work Must be actively looking for a job each week, and
document Looking for full time job Must be registered with unemployment office
and respond if contacted You must not refuse any suitable job offers : what
you are qualified for Must report all other earnings from other sources