What Private Insurance Company Offers The Lowest Rate In Workman's Compensation Insurance?
Q. I own a single member LLC in California. My business is graphic design and I would like to hire just 1 employee. This employee would be doing part-time design work (computer based & freehand drawings) at my place of business. Since I am a new business owner I have no previous policy. Can someone please recommend a good, low cost, private insurance company for the required worker's compensation? By the way, I already contacted SCIF but I prefer to deal with a private company. Any suggestions?
Asked by JAKI S - Wed Apr 15 00:56:30 2009 - - 4 Answers - 0 Comments
A. You should contact a local independent insurance agent who specializes in commercial lines. My suggestion would be an agent who represents Travelers Insurance Company. Based on the type of business you have, you should have no problem obtaining a Commercial Package policy to include coverage for your Commercial General Liability and Office Equipment. They will also include a separate policy for Workers Compensation and will even quote you an Umbrella and will set up all of these on monthly payments on account billing. The Agent that represents Travelers will also probably be able to offer you quotes with a couple of other companies but Travelers is extremely competitive and will have no problem with your type of business even though… [cont.]
Answered by Margarita D - Sun Apr 19 00:47:54 2009
Q. I own a single member LLC in California. My business is graphic design and I would like to hire just 1 employee. This employee would be doing part-time design work (computer based & freehand drawings) at my place of business. Since I am a new business owner I have no previous policy. Can someone please recommend a good, low cost, private insurance company for the required worker's compensation? By the way, I already contacted SCIF but I prefer to deal with a private company. Any suggestions?
Asked by JAKI S - Wed Apr 15 00:56:30 2009 - - 4 Answers - 0 Comments
A. You should contact a local independent insurance agent who specializes in commercial lines. My suggestion would be an agent who represents Travelers Insurance Company. Based on the type of business you have, you should have no problem obtaining a Commercial Package policy to include coverage for your Commercial General Liability and Office Equipment. They will also include a separate policy for Workers Compensation and will even quote you an Umbrella and will set up all of these on monthly payments on account billing. The Agent that represents Travelers will also probably be able to offer you quotes with a couple of other companies but Travelers is extremely competitive and will have no problem with your type of business even though… [cont.]
Answered by Margarita D - Sun Apr 19 00:47:54 2009
can i get workman's compensation insurance if i have severe degenerative disc disorder?
Q. I have severe degenerative disc disease with numbness in both arms and if i walk any distance my legs go numb the right side of my face and upper chest is also numb i have to take esi injections soon
Asked by robert p - Sat Jan 31 20:41:48 2009 - - 2 Answers - 0 Comments
A. Usually not its not a work related injury
Answered by Mopar Muscle Gal - Sat Jan 31 20:49:03 2009
Q. I have severe degenerative disc disease with numbness in both arms and if i walk any distance my legs go numb the right side of my face and upper chest is also numb i have to take esi injections soon
Asked by robert p - Sat Jan 31 20:41:48 2009 - - 2 Answers - 0 Comments
A. Usually not its not a work related injury
Answered by Mopar Muscle Gal - Sat Jan 31 20:49:03 2009
Workman's Compensation Insurance Requirement?
Q. I have one part-time employee and have pans of hiring full-time. I was told that Workman's Compensation Insurance is required for any business in California. I looked it up and it seems like it might be true. Do you know if part-time employees need to be covered under workman's compensation.
Asked by ZB - Thu Oct 16 17:47:20 2008 - - 2 Answers - 0 Comments
A. Yes, all employees, part-time or full time need to be covered. The premium (in New York at least) is based on their salary and the type of work they do. The more hazardous the work, the higher the premium. If you are a sole proprietorship, you, as the owner would not be covered. But if you were a corporation, you would be an employee and would be covered. But you would also have to pay premiums on your salary, too.
Answered by crazydave - Thu Oct 16 17:58:02 2008
Q. I have one part-time employee and have pans of hiring full-time. I was told that Workman's Compensation Insurance is required for any business in California. I looked it up and it seems like it might be true. Do you know if part-time employees need to be covered under workman's compensation.
Asked by ZB - Thu Oct 16 17:47:20 2008 - - 2 Answers - 0 Comments
A. Yes, all employees, part-time or full time need to be covered. The premium (in New York at least) is based on their salary and the type of work they do. The more hazardous the work, the higher the premium. If you are a sole proprietorship, you, as the owner would not be covered. But if you were a corporation, you would be an employee and would be covered. But you would also have to pay premiums on your salary, too.
Answered by crazydave - Thu Oct 16 17:58:02 2008
How many independent medical exams can an insurance company, workman's compensation, make a person attend?
Q. How many independent medical exams can an insurance company, workman's compensation, make a person attend?
Asked by hurt - Sun Sep 17 13:11:28 2006 - - 3 Answers - 0 Comments
A. it depends on what state you are from. call your local worker's comp. commission office and they will tell you.
Answered by chit-chaat7 - Sun Sep 17 13:25:33 2006
Q. How many independent medical exams can an insurance company, workman's compensation, make a person attend?
Asked by hurt - Sun Sep 17 13:11:28 2006 - - 3 Answers - 0 Comments
A. it depends on what state you are from. call your local worker's comp. commission office and they will tell you.
Answered by chit-chaat7 - Sun Sep 17 13:25:33 2006
how much does workman's compensation insurance cost?
Q. how much does workman's compensation insurance cost?
Asked by Scot B - Wed Sep 10 03:53:06 2008 - - 3 Answers - 0 Comments
A. It depends on your class code. What would you be doing and in what industry. Call several insurance carriers because each will give you a different rate. There will be a minimum premium and then they will give you the rate per $100 of payroll. You can also get discounts based on something called an experienced modifier. When you start off with Work Comp your experienced mod is always 1. Anything times 1 is itself. If you have little or no losses, your experienced mod goes down. This will allow you to pay less than someone who has just started a business. If you have a lot of losses then your experienced mod can go above 1 and you will be paying basically a surcharge. To give you a rough estimate... When you call an insurance… [cont.]
Answered by Angela S - Wed Sep 10 19:03:20 2008
Q. how much does workman's compensation insurance cost?
Asked by Scot B - Wed Sep 10 03:53:06 2008 - - 3 Answers - 0 Comments
A. It depends on your class code. What would you be doing and in what industry. Call several insurance carriers because each will give you a different rate. There will be a minimum premium and then they will give you the rate per $100 of payroll. You can also get discounts based on something called an experienced modifier. When you start off with Work Comp your experienced mod is always 1. Anything times 1 is itself. If you have little or no losses, your experienced mod goes down. This will allow you to pay less than someone who has just started a business. If you have a lot of losses then your experienced mod can go above 1 and you will be paying basically a surcharge. To give you a rough estimate... When you call an insurance… [cont.]
Answered by Angela S - Wed Sep 10 19:03:20 2008
I am wondering if workman's compensation insurance allows your to switch doctors in California?
Q. I injured myself last week while at work and am having trouble reaching my adjuster for an answer. I am wanting to switch doctors. The doctor that I saw for my second visit nearly put me in tears. (I am about 10 weeks pregnant).The doctor approached me by saying "since you don't know how to take care of yourself I am taking you off work". When he asked "are you sure you are only 10 weeks pregnant?" I explained to him that I had twins 9 months ago and so was showing sooner than most. He said "Well, aren't you a little fertility Goddess. I guess you know how to keep busy" and then asked why I wasn't prescribed anything by the last doctor I had seen. when i explained to him that I chose not to take Tylenol because while I know it is… [cont.]
Asked by twinkles - Tue Jul 28 17:35:29 2009 - - 1 Answers - 0 Comments
A. I am wondering if workman's compensation insurance allows your to switch doctors in California? YES but to avoid any possible problems with billing get approval from the adjuster... you should already have been given a list of doctors to chose from... see this link for assistance and the answers to most of your questions concerning WC in California: and
Answered by michr - Tue Jul 28 18:08:10 2009
Q. I injured myself last week while at work and am having trouble reaching my adjuster for an answer. I am wanting to switch doctors. The doctor that I saw for my second visit nearly put me in tears. (I am about 10 weeks pregnant).The doctor approached me by saying "since you don't know how to take care of yourself I am taking you off work". When he asked "are you sure you are only 10 weeks pregnant?" I explained to him that I had twins 9 months ago and so was showing sooner than most. He said "Well, aren't you a little fertility Goddess. I guess you know how to keep busy" and then asked why I wasn't prescribed anything by the last doctor I had seen. when i explained to him that I chose not to take Tylenol because while I know it is… [cont.]
Asked by twinkles - Tue Jul 28 17:35:29 2009 - - 1 Answers - 0 Comments
A. I am wondering if workman's compensation insurance allows your to switch doctors in California? YES but to avoid any possible problems with billing get approval from the adjuster... you should already have been given a list of doctors to chose from... see this link for assistance and the answers to most of your questions concerning WC in California: and
Answered by michr - Tue Jul 28 18:08:10 2009
Workmen compensation Insurance Policy,?
Q. Filling a form am asked to state the 'value of insurance' for the above; is it the total value of the workmen wages or the premium value that I should put in the box? E.g. the total value of workmen wages is $1, 640, 000 while the Premium is $23, 100.00
Asked by Captain - Fri Sep 4 18:49:57 2009 - - 2 Answers - 0 Comments
Q. Filling a form am asked to state the 'value of insurance' for the above; is it the total value of the workmen wages or the premium value that I should put in the box? E.g. the total value of workmen wages is $1, 640, 000 while the Premium is $23, 100.00
Asked by Captain - Fri Sep 4 18:49:57 2009 - - 2 Answers - 0 Comments
Louisiana Workman's Compensation?
Q. Im a state licensed Electrical contractor, and have no employees, am I required to have workman's compensation, I had a conversation with a lady (didn't ask her name) She said "business with less than 4 employees" are not required to have Workman's compensation insurance, is this True And if so where can I get this in writing?
Asked by RCBeersJr - Tue Jan 13 15:34:55 2009 - - 1 Answers - 0 Comments
A. Your agent, who writes your general liability policy, should be able to photocopy the manual page for you. However, don't think that means you'll be able to act as a subcontractor, without buying workers comp for the general. See, even though you aren't required to have it, if you don't, the guy that hires you, the sub, is still on the hook for benefits, if you should, for example, cross two wires and fry yourself. So if you want to do subcontracted work, you'll still have to have it, or no general will hire you.
Answered by mbrcatz - Tue Jan 13 23:15:35 2009
Q. Im a state licensed Electrical contractor, and have no employees, am I required to have workman's compensation, I had a conversation with a lady (didn't ask her name) She said "business with less than 4 employees" are not required to have Workman's compensation insurance, is this True And if so where can I get this in writing?
Asked by RCBeersJr - Tue Jan 13 15:34:55 2009 - - 1 Answers - 0 Comments
A. Your agent, who writes your general liability policy, should be able to photocopy the manual page for you. However, don't think that means you'll be able to act as a subcontractor, without buying workers comp for the general. See, even though you aren't required to have it, if you don't, the guy that hires you, the sub, is still on the hook for benefits, if you should, for example, cross two wires and fry yourself. So if you want to do subcontracted work, you'll still have to have it, or no general will hire you.
Answered by mbrcatz - Tue Jan 13 23:15:35 2009
Is it to late to file for workman's compensation after being diagnosed and operation?
Q. I did not know at the time of my injury that it was work related, I went to my regular doctor whom sent me for testing, after the test it showed I had cubital tunnel. I was then sent to see a surgeon, who said I needed an operation. I was asked from my employer if my injury was work related, at the time I told them I was unsure, they told me to ask my doctor, I asked my doctor and they told me the surgeon would be able to tell me the answer to that question. When I asked him if this was a work related injury he told me yes. At the time he said he could try and file this under work comp but I did not want to wait and see a different doctor so I told him we would file this under our insurance. I went ahead and had the surgery now that I am… [cont.]
Asked by crazygirlc89 - Wed Sep 10 19:25:45 2008 - - 1 Answers - 1 Comments
A. I suggest trying to file workmen's compensation. I would consult an attorney that specializes in these types of cases.
Answered by Sweetharttt - Thu Sep 18 10:53:24 2008
Q. I did not know at the time of my injury that it was work related, I went to my regular doctor whom sent me for testing, after the test it showed I had cubital tunnel. I was then sent to see a surgeon, who said I needed an operation. I was asked from my employer if my injury was work related, at the time I told them I was unsure, they told me to ask my doctor, I asked my doctor and they told me the surgeon would be able to tell me the answer to that question. When I asked him if this was a work related injury he told me yes. At the time he said he could try and file this under work comp but I did not want to wait and see a different doctor so I told him we would file this under our insurance. I went ahead and had the surgery now that I am… [cont.]
Asked by crazygirlc89 - Wed Sep 10 19:25:45 2008 - - 1 Answers - 1 Comments
A. I suggest trying to file workmen's compensation. I would consult an attorney that specializes in these types of cases.
Answered by Sweetharttt - Thu Sep 18 10:53:24 2008
Since America is already socialist, when will cons be moving to the banana republic countries?
Q. Using con's very broad definition of socialism, America is in fact already socialist. So many of the things libs / progressives worked for is already law. We have public education for the masses, state subsidized and controlled universities, student grants, subsidized student loans, job training, GI Bills, 40 hour work weeks, overtime pay, minimum wage, workplace safety laws, workman's compensation, unemployment insurance, social security, medicare, medicaid, extra health care programs for kids that don't qualify for medicaid, progressive taxes, laws against pollution, laws against corporate fraud, public transportation, public streets and highways, public utilities, a public space exploration organization, public housing, government… [cont.]
Asked by trovalta_stinks_2 - Wed Oct 17 17:47:03 2007 - - 13 Answers - 0 Comments
A. Not soon enough for me.
Answered by igglydooble - Wed Oct 17 17:49:47 2007
Q. Using con's very broad definition of socialism, America is in fact already socialist. So many of the things libs / progressives worked for is already law. We have public education for the masses, state subsidized and controlled universities, student grants, subsidized student loans, job training, GI Bills, 40 hour work weeks, overtime pay, minimum wage, workplace safety laws, workman's compensation, unemployment insurance, social security, medicare, medicaid, extra health care programs for kids that don't qualify for medicaid, progressive taxes, laws against pollution, laws against corporate fraud, public transportation, public streets and highways, public utilities, a public space exploration organization, public housing, government… [cont.]
Asked by trovalta_stinks_2 - Wed Oct 17 17:47:03 2007 - - 13 Answers - 0 Comments
A. Not soon enough for me.
Answered by igglydooble - Wed Oct 17 17:49:47 2007
1099 and Workmen's or Worker's Compensation.?
Q. I am planning on hiring local labor and just 1099ing them. If I have a written contract between them stating that they are responsible for getting hurt on the job and the my company nor my client is liable, must i still need workmen's compensation? Also, is it a state law that they must have insurance?
Asked by Rod - Fri Sep 26 17:42:52 2008 - - 1 Answers - 0 Comments
A. You can't hire people on a 1099 unless they are independent contractors. That means they get to set their work hours and they control how the job is done. If you treat them as employees the IRS says they are employees and must be paid on a W-2 basis and you are subject to all of the government regulations pertaining to employment. If they are in fact sub contractors you can pay them on a 1099 basis, but you should still carry insurance to protect yourself in the event of a lawsuit. Hope this helps Jerry-the-bookkeeper
Answered by jerry-the-bookkeeper - Sat Sep 27 02:46:55 2008
Q. I am planning on hiring local labor and just 1099ing them. If I have a written contract between them stating that they are responsible for getting hurt on the job and the my company nor my client is liable, must i still need workmen's compensation? Also, is it a state law that they must have insurance?
Asked by Rod - Fri Sep 26 17:42:52 2008 - - 1 Answers - 0 Comments
A. You can't hire people on a 1099 unless they are independent contractors. That means they get to set their work hours and they control how the job is done. If you treat them as employees the IRS says they are employees and must be paid on a W-2 basis and you are subject to all of the government regulations pertaining to employment. If they are in fact sub contractors you can pay them on a 1099 basis, but you should still carry insurance to protect yourself in the event of a lawsuit. Hope this helps Jerry-the-bookkeeper
Answered by jerry-the-bookkeeper - Sat Sep 27 02:46:55 2008
Dallas, TX residents or law professionals only please...?
Q. 1. Does anybody out there have links to personal injury attorneys for me in the Dallas area? 2. Has anybody out there (in the Dallas area) suffered from an on-site, work related injury/temporary or permanent disability? (if so, please tell me your story) Long story short. In a menagerie of owners, general contractors, subcontractors, and employees I was injured while performing my job. I worked through the injury (in much pain) in order to complete the project. Yes, the injury was reported to my employer...the subcontractor. He did not suggest, advise, or otherwise seem to terribly concerned about getting me medical attention. Now I know why. He had no Workman's Compensation insurance. Here's the problem: My employer is based out of… [cont.]
Asked by Mac S - Fri Apr 24 01:57:34 2009 - - 1 Answers - 0 Comments
A. Cam, unless you have witnesses who will verify (strongly) your accident that can convince an injury lawyer (read : ambulance chaser) to risk taking your case on a contingency basis you are pretty much screwed on this. A lawyer willing to take this on contingency is gonna need hard evidence to sue this guy, and even if he wins the case, making him pay will be next to impossible (and any attorney knows that and is unlikely, hence, to take the case on contingency).
Answered by unknown - Fri Apr 24 02:26:59 2009
Q. 1. Does anybody out there have links to personal injury attorneys for me in the Dallas area? 2. Has anybody out there (in the Dallas area) suffered from an on-site, work related injury/temporary or permanent disability? (if so, please tell me your story) Long story short. In a menagerie of owners, general contractors, subcontractors, and employees I was injured while performing my job. I worked through the injury (in much pain) in order to complete the project. Yes, the injury was reported to my employer...the subcontractor. He did not suggest, advise, or otherwise seem to terribly concerned about getting me medical attention. Now I know why. He had no Workman's Compensation insurance. Here's the problem: My employer is based out of… [cont.]
Asked by Mac S - Fri Apr 24 01:57:34 2009 - - 1 Answers - 0 Comments
A. Cam, unless you have witnesses who will verify (strongly) your accident that can convince an injury lawyer (read : ambulance chaser) to risk taking your case on a contingency basis you are pretty much screwed on this. A lawyer willing to take this on contingency is gonna need hard evidence to sue this guy, and even if he wins the case, making him pay will be next to impossible (and any attorney knows that and is unlikely, hence, to take the case on contingency).
Answered by unknown - Fri Apr 24 02:26:59 2009
heeeelp me 10 poings...?
Q. States have laws that requie employers to carry workmen's compensation insurance on their workers. Are minors covered by such insurance policies? If so , how does such insurance work?
Asked by me - Mon Oct 2 19:26:33 2006 - - 6 Answers - 0 Comments
A. Workmens Compensation Insurance is for all LEGAL workers. it is there to protect the worker that gets injured while working. It can pay his medical bills associated with the injury as well as pay him while he is healing.
Answered by imwatch420 - Mon Oct 2 19:33:45 2006
Q. States have laws that requie employers to carry workmen's compensation insurance on their workers. Are minors covered by such insurance policies? If so , how does such insurance work?
Asked by me - Mon Oct 2 19:26:33 2006 - - 6 Answers - 0 Comments
A. Workmens Compensation Insurance is for all LEGAL workers. it is there to protect the worker that gets injured while working. It can pay his medical bills associated with the injury as well as pay him while he is healing.
Answered by imwatch420 - Mon Oct 2 19:33:45 2006
Cost Accounting questions?
Q. Direct labor: Job No. 200$10,300 Job No. 2017,000 Job No. 202 6,500 Total direct labor$23,800 Indirect labor 6,200 Total gross payroll$30,000 Payroll taxes and insurance are to be computed as follows Employee's share Employers share Federal income tax withheld$4,300 State unemployment tax 5.0% Federal unemployment tax 1.0% FICA tax 8.0% 8.0% Disability insurance .5% .25% Workmen's compensation insurance 2.0% Required: Prepare the general journal entries to: a.Record the payroll. b.Pay the payroll. c.Distribute the payroll to the appropriate accounts. d.Record the employer's share of payroll expense. (All of the employees work in the factory.) I am confused on this one, I did solve it but i just want… [cont.]
Asked by Sally - Sat Oct 4 21:29:00 2008 - - 1 Answers - 0 Comments
A. Gross payroll is your payroll expense before any deductions (to the employee net cash) or additional cost for the employers for deferred benefits. Gross payroll = 30,000 - Income tax (employee) -4,300 (credit tax) - state tax (employee) - 1,500 (credit tax) - federal tax (employee) - 300 (credit tax) - FICA (employee) - 2,400 (credit tax); (employer) - 2,400 (debit OH - indirect labout cost, credit tax) - Disability ins (employee) -150 (credit insurance); (employer) -75 (debit OH - indirect labour cost credit tax) - workmen comp ins (employee) -600 (credit insurance) d. 2,400 + 75 = 2,475 Cheers...
Answered by adiwsusanto - Sun Oct 5 01:33:06 2008
Q. Direct labor: Job No. 200$10,300 Job No. 2017,000 Job No. 202 6,500 Total direct labor$23,800 Indirect labor 6,200 Total gross payroll$30,000 Payroll taxes and insurance are to be computed as follows Employee's share Employers share Federal income tax withheld$4,300 State unemployment tax 5.0% Federal unemployment tax 1.0% FICA tax 8.0% 8.0% Disability insurance .5% .25% Workmen's compensation insurance 2.0% Required: Prepare the general journal entries to: a.Record the payroll. b.Pay the payroll. c.Distribute the payroll to the appropriate accounts. d.Record the employer's share of payroll expense. (All of the employees work in the factory.) I am confused on this one, I did solve it but i just want… [cont.]
Asked by Sally - Sat Oct 4 21:29:00 2008 - - 1 Answers - 0 Comments
A. Gross payroll is your payroll expense before any deductions (to the employee net cash) or additional cost for the employers for deferred benefits. Gross payroll = 30,000 - Income tax (employee) -4,300 (credit tax) - state tax (employee) - 1,500 (credit tax) - federal tax (employee) - 300 (credit tax) - FICA (employee) - 2,400 (credit tax); (employer) - 2,400 (debit OH - indirect labout cost, credit tax) - Disability ins (employee) -150 (credit insurance); (employer) -75 (debit OH - indirect labour cost credit tax) - workmen comp ins (employee) -600 (credit insurance) d. 2,400 + 75 = 2,475 Cheers...
Answered by adiwsusanto - Sun Oct 5 01:33:06 2008
Given cons broad definition of socialism, do they realize that America is already socialist?
Q. Cons are always calling libs and Democrats socialist, even communist. If liberals/Democrats are socialists, then America is socialist. So many of our policies have long since become laws. See, it's not black or white, either capitalist or socialist. Most nations instead have a mixed economy. We have public schools for the masses, state owned and subsidized universities, student grants, subsidized loans, GI BIlls, job training, 40 hour work weeks, overtime pay, minimum wage, workman's compensation, unemployment insurance, work place safety laws, social security and medicare for the elderly, medicaid for the poor, food sanitation standards, laws against false advertisement and labeling, environmental protection laws, force banks to insure… [cont.]
Asked by trovalta_stinks - Sun Jun 3 20:16:47 2007 - - 13 Answers - 0 Comments
A. Of course not. Watch them babble on about "other" people's welfare programs, but when it comes to their own welfare such as "Kids Care" medical insurance programs for working class families, it is no longer "welfare". Queens.
Answered by Timothy M - Sun Jun 3 20:21:47 2007
Q. Cons are always calling libs and Democrats socialist, even communist. If liberals/Democrats are socialists, then America is socialist. So many of our policies have long since become laws. See, it's not black or white, either capitalist or socialist. Most nations instead have a mixed economy. We have public schools for the masses, state owned and subsidized universities, student grants, subsidized loans, GI BIlls, job training, 40 hour work weeks, overtime pay, minimum wage, workman's compensation, unemployment insurance, work place safety laws, social security and medicare for the elderly, medicaid for the poor, food sanitation standards, laws against false advertisement and labeling, environmental protection laws, force banks to insure… [cont.]
Asked by trovalta_stinks - Sun Jun 3 20:16:47 2007 - - 13 Answers - 0 Comments
A. Of course not. Watch them babble on about "other" people's welfare programs, but when it comes to their own welfare such as "Kids Care" medical insurance programs for working class families, it is no longer "welfare". Queens.
Answered by Timothy M - Sun Jun 3 20:21:47 2007
Hospital Bill Insurance Benefit Adjustments ?
Q. Scenario in July 2008 I utilized the emergency room and other services of a New York City Hospital. I was there for one day only. I had no insurance coverage at the time. The injury occurred on the job. I filed a Workman s Compensation (WCB) claim. However, the employer s insurer contested the claim. The insurer took the position that the injury was not work-related. I partook in a trial in WCB court. The decision is pending. The question below is being asked out of the concern that the WCB decision may go against me, the worker. If so, I would be liable for the hospital bill the bill now, in October of 2009, I am looking at an itemized bill from that New York City hospital. That bill was printed in August of 2009. The bill… [cont.]
Asked by Janis - Mon Oct 12 14:37:33 2009 - - 2 Answers - 0 Comments
A. The " insurance benefit adjustment " is the amount that they expect WCB to pay. If you lose the WCB claim, then these amounts will be changed to $0 and you will be required to pay the original amount of the bill. Most NYC hospitals are tax-exempt non-profits or government agencies. This would make #2 and #3 moot, unless it is one of the very few "for profit" hospitals. 1. Yes, it can be re-opened when WCB reaches its decision. Any statute of limitations probably does not apply while the case is pending before WCB. 2. If the hospital has taken a tax write-off and later collects from you, then they must pay tax on the money that they collect from you, when they collect it. If they do so, then there is no fraud. If they lie to the IRS… [cont.]
Answered by StephenWeinstein - Mon Oct 12 18:40:52 2009
Q. Scenario in July 2008 I utilized the emergency room and other services of a New York City Hospital. I was there for one day only. I had no insurance coverage at the time. The injury occurred on the job. I filed a Workman s Compensation (WCB) claim. However, the employer s insurer contested the claim. The insurer took the position that the injury was not work-related. I partook in a trial in WCB court. The decision is pending. The question below is being asked out of the concern that the WCB decision may go against me, the worker. If so, I would be liable for the hospital bill the bill now, in October of 2009, I am looking at an itemized bill from that New York City hospital. That bill was printed in August of 2009. The bill… [cont.]
Asked by Janis - Mon Oct 12 14:37:33 2009 - - 2 Answers - 0 Comments
A. The " insurance benefit adjustment " is the amount that they expect WCB to pay. If you lose the WCB claim, then these amounts will be changed to $0 and you will be required to pay the original amount of the bill. Most NYC hospitals are tax-exempt non-profits or government agencies. This would make #2 and #3 moot, unless it is one of the very few "for profit" hospitals. 1. Yes, it can be re-opened when WCB reaches its decision. Any statute of limitations probably does not apply while the case is pending before WCB. 2. If the hospital has taken a tax write-off and later collects from you, then they must pay tax on the money that they collect from you, when they collect it. If they do so, then there is no fraud. If they lie to the IRS… [cont.]
Answered by StephenWeinstein - Mon Oct 12 18:40:52 2009
Accounting and finance?
Q. Debit Balance Rs.Credit BalancesRs. Materials used3,50,000Sales (including 2% Sales tax)9,18,000 Cost of Lobour1,50,000Sales of Scrap100 Stock finished & work in process on 31th December, 200650,000Rent received2,000 Wages : Factory Staff15,000Discounts2,750 Directors Remuneration50,000Recover ed against fire claim re : Stock5,000 Salaries : Clerical Staff75,000Capital : Equity25,000 Insurances : Workmen s Compensation1,500Preferen ce-9%8,000 General, Fire etc.2,000Creditors1,56,00 0 Directors Life Insurance1,500Provision for taxation1,05,000 Maintenance : Buildings 1,000Profit & Loss Account13,750 Plant & Machinery12,500 Rent & Rates of premises & hire of plant20,000 Heat, Light & Power15,000 Experimental & laboratory Expenses10,00 [cont.]
Asked by udisha kumar - Wed Oct 15 00:33:59 2008 - - 1 Answers - 0 Comments
Q. Debit Balance Rs.Credit BalancesRs. Materials used3,50,000Sales (including 2% Sales tax)9,18,000 Cost of Lobour1,50,000Sales of Scrap100 Stock finished & work in process on 31th December, 200650,000Rent received2,000 Wages : Factory Staff15,000Discounts2,750 Directors Remuneration50,000Recover ed against fire claim re : Stock5,000 Salaries : Clerical Staff75,000Capital : Equity25,000 Insurances : Workmen s Compensation1,500Preferen ce-9%8,000 General, Fire etc.2,000Creditors1,56,00 0 Directors Life Insurance1,500Provision for taxation1,05,000 Maintenance : Buildings 1,000Profit & Loss Account13,750 Plant & Machinery12,500 Rent & Rates of premises & hire of plant20,000 Heat, Light & Power15,000 Experimental & laboratory Expenses10,00 [cont.]
Asked by udisha kumar - Wed Oct 15 00:33:59 2008 - - 1 Answers - 0 Comments
hi everybody, my neighbours are stopping the workmen repairing my chimney because the structure they are using
Q. is overhanging her "air space" (quote). She is also now asking for some compensation from the insurance company who is paying for this repaires. What are my options? thank you in advance. Eric
Asked by ERIC R - Sat Oct 27 07:11:36 2007 - - 10 Answers - 0 Comments
A. It might have been neighbourly to discuss it with them first. Have a word with the claims department at the insurance company, they will be used to dealing with anally retentive neighbours. If it goes to Court, you'll win.
Answered by old know all - Sat Oct 27 07:17:17 2007
Q. is overhanging her "air space" (quote). She is also now asking for some compensation from the insurance company who is paying for this repaires. What are my options? thank you in advance. Eric
Asked by ERIC R - Sat Oct 27 07:11:36 2007 - - 10 Answers - 0 Comments
A. It might have been neighbourly to discuss it with them first. Have a word with the claims department at the insurance company, they will be used to dealing with anally retentive neighbours. If it goes to Court, you'll win.
Answered by old know all - Sat Oct 27 07:17:17 2007
Firing a lawyer?
Q. I hired a workman's compensation lawyer at the end of January early February. A little over year ago i had hernia surgery do a work injury. Back in January, i had the flu and was in bed when a cough re activated the hernia. I went to see the doctor because, during the surgery last year i devolved an infection I ended up in the hospital for ten days after the surgery. Anyway The doctor said because of the infection the plastic whatever you call it to hold the hernia back. Didn't hold because of the infection it made the tissue weak , and i was told this is not uncommon. The Insurance company said no to the surgery so i hired a lawyer. They filed a suit. We had court about 2 months ago the Insurance company said they wanted me checked out… [cont.]
Asked by Robec8 - Fri Jun 22 07:26:52 2007 - - 3 Answers - 0 Comments
Q. I hired a workman's compensation lawyer at the end of January early February. A little over year ago i had hernia surgery do a work injury. Back in January, i had the flu and was in bed when a cough re activated the hernia. I went to see the doctor because, during the surgery last year i devolved an infection I ended up in the hospital for ten days after the surgery. Anyway The doctor said because of the infection the plastic whatever you call it to hold the hernia back. Didn't hold because of the infection it made the tissue weak , and i was told this is not uncommon. The Insurance company said no to the surgery so i hired a lawyer. They filed a suit. We had court about 2 months ago the Insurance company said they wanted me checked out… [cont.]
Asked by Robec8 - Fri Jun 22 07:26:52 2007 - - 3 Answers - 0 Comments
Is workmans compensation required by the state or federal government for small businesses?
Q. I have had workman's comp on my employees for over 10 years. Our premium is due now, and my agent is telling me i must go get a bank loan and pay it now or else my policy will lapse (he won't tell me what will happen if it lapses...I'm assuming, since he is so upset I will probably be gunned down or beaten to death). All my other insurances,debtors, etc...understand and have extended payment time because they know we have been slow to receive reimbursements for services we have provided. Please advise.
Asked by pam - Thu Aug 28 12:10:28 2008 - - 1 Answers - 0 Comments
A. If you have a corporation or an LLC and don't mind risking the business you could always self insure. If you have a sole proprietorship or partnership you could be risking all you own as well as jeopardizing future earnings. The laws on what is now called "worker's compensation" vary from state to state. Check with an attorney to find out what the worst case situation is in your state. If you decide to keep the insurance policy in effect I suggest that you divide the payment by 12 and set aside that amount every month so that you will be able to pay it without taking out a bank loan. Hope this helps Jerry-the-bookkeeper
Answered by jerry-the-bookkeeper - Fri Aug 29 00:14:53 2008
Q. I have had workman's comp on my employees for over 10 years. Our premium is due now, and my agent is telling me i must go get a bank loan and pay it now or else my policy will lapse (he won't tell me what will happen if it lapses...I'm assuming, since he is so upset I will probably be gunned down or beaten to death). All my other insurances,debtors, etc...understand and have extended payment time because they know we have been slow to receive reimbursements for services we have provided. Please advise.
Asked by pam - Thu Aug 28 12:10:28 2008 - - 1 Answers - 0 Comments
A. If you have a corporation or an LLC and don't mind risking the business you could always self insure. If you have a sole proprietorship or partnership you could be risking all you own as well as jeopardizing future earnings. The laws on what is now called "worker's compensation" vary from state to state. Check with an attorney to find out what the worst case situation is in your state. If you decide to keep the insurance policy in effect I suggest that you divide the payment by 12 and set aside that amount every month so that you will be able to pay it without taking out a bank loan. Hope this helps Jerry-the-bookkeeper
Answered by jerry-the-bookkeeper - Fri Aug 29 00:14:53 2008
From Yahoo Answer Search: 'workman compensation insurance'
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