What do self employed people do when they get injured on the job?
Friday, February 26th, 2010 at
9:11 am
loveA&Flove asked:
My father is a general contractor and has his own small business. He was recently at a job, slipped on some ice in the driveway, and broke his ankle. He’s now out of work for 6 to 8 weeks. I know that when one of his crew members got injured, they filed a claim with workman’s comp.
My father is a general contractor and has his own small business. He was recently at a job, slipped on some ice in the driveway, and broke his ankle. He’s now out of work for 6 to 8 weeks. I know that when one of his crew members got injured, they filed a claim with workman’s comp.
Our health insurance (Cobra) is covering the cost of surgery and everything else medical, but I want to know if he’s going to be able to get unemployment or disability or anything while he’s unable to work.
If it’s relevant we live in Idaho and my mother was recently laid off.
Idaho health insurance plans
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Idaho Health Insurance
Self employed people SHOULD carry disability insurance for that type of situation. It’s too late to get it now, but at least he now can appreciate its importance.
Idaho Health Insurance
People that are self employed have to carry ALL of their own insurance.
And, other poster is right. Get disability insurance for next time.
Idaho health insurance plans
If they carry workers comp insurance – and in many states they are required to, if they have a corporation – then they file a workers comp claim. If Dad ‘excluded’ himself from workers comp to save money, then they don’t.
Many states, health insurance will NOT cover a work related injury. If his does, good for him.
If he didn’t buy disability insurance, he has no coverage. If he’s unable to work, he can’t get unemployment. Mom can, though.