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Multi-jurisdictional Work Comp?
Benefits & Compensation
Multi-jurisdictional Work Comp?
Exchange ideas about health plans, retirement, work/life benefits, and employee assistance.
We have several sales employees who work out of their homes in other states. Our practice has been to obtain work comp coverage in those states. Is that the best practice, or could the employees prope
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Forums » Topic Forums » Benefits & Compensation » Multi-jurisdictional Work Comp?
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Multi-jurisdictional Work Comp?
posted at 6/29/2009 1:04 PM EDT
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Posts: 62
First: 9/13/2005 Last: 11/19/2010 |
We have several sales employees who work out of their homes in other states. Our practice has been to obtain work comp coverage in those states. Is that the best practice, or could the employees properly be covered in the state in which the company is located? |
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Multi-jurisdictional Work Comp?
posted at 6/30/2009 8:56 AM EDT
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Posts: 1047
First: 4/11/2002 Last: 9/14/2011 |
I'm not a WC expert, but I don't believe you have a choice in the matter. An employer has to provide the WC carrier with certain information, which will include locations, and the carrier probably rates accordingly. |
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Multi-jurisdictional Work Comp?
posted at 6/30/2009 9:17 AM EDT
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Posts: 2146
First: 2/15/2006 Last: 9/14/2011 |
I don't know the answer but I would make sure that whatever WC broker you have covering your home state employees KNOWS about your non-home-state employees. And that broker should be able to tell you if (1) they can be covered under the same policy or (2) they need their own policy in the different state because state laws are different/have differing requirements.
The last thing you want is to not tell them and then have a claim denied because of it. Because it is very very likely that the claim could be denied. One of the claims questions I always get asked is where did the injury occur and was it their normal work location? Also, I know my state (tx) has "in network" policies, much like HMOs of the past where the employee must go to someone in network unless it is a dire emergency (i.e. leading to immediate death). Or they can reject the claim. |
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Multi-jurisdictional Work Comp?
posted at 7/2/2009 10:54 AM EDT
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Posts: 30
First: 1/29/2009 Last: 11/24/2009 |
We just had to switch our w/c insurance company because although the certificate of coverage states "multi-state" policy which is supposed to cover all states, it did not. We have a small facility out west and they are not wanting to cover those employees because they do not have a license or office in that state. Make sure that your certificate states exactly the states that your employees are in or you may face the same problem we are having. But I do think you will be fine by having one policy just make sure it is all inclusive. |
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