"8 Million Strong and Voting!" Small business is the heart beat of the United States economy. This blog searches for issues and answers to helping small business survive and thrive in California and the United States.
Monday, January 25, 2016
Workers' Compensation Application
Do you have workers' compensation coverage for your employees? If so, either you or your insurance broker have sent an Acord application to your insurance company. This application is what the insurance industry uses to write workers' compensation.
Have you ever read the application? There are two questions which I think you as an employer cannot ask your employees. They are:
Do you have any employees over 60 years old?
Do you have any employees with physical disabilities?
Have you ever been asked these questions?
I have contacted the Insurance Commissioner’s office about this and been told that a workers' compensation application can ask these questions but they seem to agree this is a violation of employment law. The question becomes how do you complete the application if you can’t ask?
The fact that the application ask these questions infers that the insurance companies use this when they underwrite workers' compensation coverage.
The application goes on to say that if you sign the application and misrepresent any information you may be guilty of fraud subject to a fine of $5000.
Small Business California is looking at introducing legislation to require the Acord people to eliminate these questions.
What do you think?
Scott Hauge President Small Business California 2311 Taraval Street San Francisco, CA 94116 firstname.lastname@example.org 415-680-2188
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Section 6033(e) Notice and Disclaimer:
Small Business California engages in lobbying activities on behalf of its members. Approximately 35% of your dues contribution goes to support these lobbying activities, and, we believe, is not deductible as a business expense under Section 162(e) of the Internal Revenue Code. Please consult your own accountant or tax attorney.