Everyone loves to shop small businesses these days, and many people love working for these small family-owned entities. What some employees fail to realize, however, is that their employer may not be required to provide workers compensation Atlanta GA. They may be willing to accept a lack of health coverage, but they do not realize how catastrophic a work-related injury could be.
So often construction companies, landscapers, and other small businesses will keep just enough employees to get work done, without requiring themselves to provide any form of coverage. This is true for basic health and dental as well as work comp. An injured employee is forced to harbor the expense themselves, and often they are not able to obtain proper health care.
Subcontractors typically receive no benefits from their general contractors in order to deal with any injury or illness. They also rarely ever pay anything into the social security system. This means that, should they be injured on the job, there is no coverage for them to deal with their injuries, and their social security payments will be the bare minimum allowed by the law.
For the state of Georgia, the basic social security disability payment available for a person who has not paid into the system is around eight hundred dollars per month. Georgia ranks fairly high on the cost of living index, and this payment is not enough to support even an individual, let alone a family. Financial stresses in the family increase the likelihood of divorce.
If the employers realized how affordable this coverage can be, they might be more likely to provide it. For those who like to retain good employees, being able to see them given the proper treatment for their injury is vital. Good workers generally want to return to work as soon as possible, and there are systems in place to help them be able to do just that.
Georgia is one of several states who provides work comp carriers with a subsequent injury trust fund. Most injured workers desperately want to get back to work, and this fund helps to make that possible. Small businesses cannot always afford to provide any sort of short term disability, and the injured worker will endure hardship until they are able to get back to work.
This coverage applies to anyone who suffers from the same injury later in life, even if they work for a different employer than they did when they originally hurt themselves. Even an aggravation of a prior work comp injury is covered by the fund. This helps encourage employers to allow a previously injured worker to return to work because they see no increase in their work comp premium.
Small business owners should always be encouraged to provide this protection for their employees. Accidents do happen, and often they happen to excellent employees. Employers who wish to keep good people will do well to spend the little bit of money necessary to protect themselves, and their people, from having to carry the burden of medical expenses themselves.
So often construction companies, landscapers, and other small businesses will keep just enough employees to get work done, without requiring themselves to provide any form of coverage. This is true for basic health and dental as well as work comp. An injured employee is forced to harbor the expense themselves, and often they are not able to obtain proper health care.
Subcontractors typically receive no benefits from their general contractors in order to deal with any injury or illness. They also rarely ever pay anything into the social security system. This means that, should they be injured on the job, there is no coverage for them to deal with their injuries, and their social security payments will be the bare minimum allowed by the law.
For the state of Georgia, the basic social security disability payment available for a person who has not paid into the system is around eight hundred dollars per month. Georgia ranks fairly high on the cost of living index, and this payment is not enough to support even an individual, let alone a family. Financial stresses in the family increase the likelihood of divorce.
If the employers realized how affordable this coverage can be, they might be more likely to provide it. For those who like to retain good employees, being able to see them given the proper treatment for their injury is vital. Good workers generally want to return to work as soon as possible, and there are systems in place to help them be able to do just that.
Georgia is one of several states who provides work comp carriers with a subsequent injury trust fund. Most injured workers desperately want to get back to work, and this fund helps to make that possible. Small businesses cannot always afford to provide any sort of short term disability, and the injured worker will endure hardship until they are able to get back to work.
This coverage applies to anyone who suffers from the same injury later in life, even if they work for a different employer than they did when they originally hurt themselves. Even an aggravation of a prior work comp injury is covered by the fund. This helps encourage employers to allow a previously injured worker to return to work because they see no increase in their work comp premium.
Small business owners should always be encouraged to provide this protection for their employees. Accidents do happen, and often they happen to excellent employees. Employers who wish to keep good people will do well to spend the little bit of money necessary to protect themselves, and their people, from having to carry the burden of medical expenses themselves.
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