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Uninsured employer : ウィキペディア英語版
Uninsured employer
Uninsured employer in the United States is a term to identify an employer of workers under circumstances where there is no form of insurance in place to provide certain benefits to those workers. More specifically, it is a term used in workers’ compensation law to identify an employer who does not have some form of worker’s compensation insurance or self-insurance coverage in effect at the time of, or during the time of, a claimed injury.
All States require that employers provide injury benefits coverage to their employees. These benefits are called workers’ compensation insurance coverage. This kind of coverage is to be distinguished from liability coverage, which covers the premises and the owner/occupier of the space from claims made by non-employees for injuries on the premises. It is also to be distinguished from health insurance, which covers only medical bills for non-work incurred conditions.
Protection can be accomplished through a traditional insurance policy for workers’ compensation coverage. Coverage can also be accomplished by way of compliance with various State self-insurance laws (usually reserved for larger employers) requiring substantial bonding and self-funding. For example, public agencies are usually permissibly self-insured.
When the employer has no specific insurance, or arrangement for the provision of workers’ compensation benefits to injured employees, the employer is then referred to as an uninsured employer.
==Criminal law as per state ==
This status is highly negative one in most States and often deemed a crime under State law. When there are no funds available to cover the benefits, and resulting bills for such benefits, the State usually steps in and provides the funding; hence the State’s interest in making the failure to have coverage both legally and financially painful. Most often this involves complete repayment to the State, fines, penalties, business closure, and the loss of legal defenses. The seriousness of the status by the uninsured employer is often underestimated due to unfamiliarity with the system and the belief that, like automobile uninsured motorist law, a quick settlement can be made by the uninsured for a modest amount to end the process. This is contrary to State law and recent studies in California have shown that for 2009 average claim cost is upwards of $60,000 and continually rising.

抄文引用元・出典: フリー百科事典『 ウィキペディア(Wikipedia)
ウィキペディアで「Uninsured employer」の詳細全文を読む



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