Workman’s Comp Insurance (2 posts)

Topic tags: Idaho State Insurance Fund, workman's comp
  • Profile picture of Joyce Page Joyce Page said 2 years, 1 month ago:

    Ok, here is what I have found out so far…
    1. If you do not have workman’s comp, make sure that your employees have some kind of medical insurance.
    2. Yes, your participant is the one who is responsible and would be sued, however, a participant on medicaid has nothing in assets to sue. Parents/guardians are not responsible.
    3. Workman’s comp is available, is not expensive, and is billable to the participant’s budget (if it is on the plan).
    4. The company called Idaho State Insurance Fund is able to provide Workman’s Comp Insurance. http://www.idahosif.org/ The cost is estimated at $150-$300 per year, but it is based on your payroll, and which employees are covered, so you have to apply to find out exactly what it will cost.

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  • Profile picture of Joyce Page Joyce Page said 1 year, 11 months ago:

    Our program is considered Household Employees or Home Health Care. These employees are exempt from Workman’s Comp requirement.

    However, you may still desire to obtain Workman’s Comp. Under a sole proprietor business, the family who lives with the employer (our participant) is exempt from Workman’s Comp.

    So, if you would like to insure those outside your family who provide care, it will cost you approximately $4.40 on the dollar of your payroll (quote from Idaho State Insurance Fund – home health care worker).

    Again, you are not required to do so. Remember, under Res Hab, you were never under Workman’s Comp either. If you worked for an agency providing care, you were under Workman’s Comp and possibly health insurance, but our participants in Self Direction, are not required to do either.

    If the participant chooses, to pay for Workman’s Comp, or medical insurance, he / she can do that using his / her budget.

    You can contact Idaho State Insurance Fund http://www.idahosif.org, or your own insurance agent.
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