#insureance

提起旅行，很多朋友都會馬上尋找便宜機票，選好酒店，然後買本旅遊書旁身，再上網跑文尋找要去玩的景點，卻往往忘記了最重要的「旅遊保險」。

即使記得買「旅遊保險」，好多朋友有時都覺得係買個安心，求其買平平地個個，幾十蚊就算，但其實「旅遊保險」先係人生最有機會 claim 錢嘅保險，真係唔可以貪平，要買就要買貴個個 package。 (more…)

Some jobs are there which do not qualify for workers compensation benefits because of the nature of the work or business. The part-time domestic employees in private homes, newspaper carriers, real estate sales agents, some agricultural workers, casual workers, sole proprietors, partners, etc, are not eligible for worker compensation benefits.

Independent contractors are not eligible for workers compensation as there are some scenarios where an employer can classify a worker as an independent contractor even though they will be working like an employee. You are considered to be an employee if you are substantially controlled by your company as to the conduct of work duties. If you are largely dependent on your company or employer for completing your work duties, then you can be termed as an employee and are allowed to apply for workers compensation claim benefits.

In most of cases the worker compensation benefits are paid out by the employer’s insurance carrier. However in some selected states employers can self-insure themselves and pay benefits on their own. But it is being seen that a self insured company’s employer become liable for the workers compensation benefits that are due to an injured worker. These benefits are in form of all wages, medical expenses, transportation costs to medical appointments, etc.

If you are physically injured on the job which has led to mental suffering and disability or psychiatric distress, then your employer or their carrier is responsible for providing reimbursement for treatment. This will include the cost of the trips to the psychiatrists or any medication prescribed to treat a mental condition as a result of your on-job injury.

If you have any questions related to worker compensation insurance law in Florida and want reliable as well as effective assistance, then visit