What Should Owners of Small Businesses Know About Local Workers’ Compensation Laws?
June 22, 2017
As far as an owner of a small business is concerned, there could be several queries with respect to work injury compensation insurance. If you run a small business too, check out some of the important facts you should know about workers’ compensation.
Keep in mind the number of workers you have on your payroll
There are many states where the employers are exempted from work injury compensation insurance if the number of employees is five or less than that. So, in case you have less than 5 employees, you may not have to carry this insurance. But, even though it may not be mandatory in your case, you may still want to have it for the benefit of your business and employees.
You need to see how your employees are classified on the payroll
This means, all your employees may not be covered under your workers’ compensation program if you are running a small business. Usually, you should ensure the coverage of your full-time employees only. Very often, interns, contractors, and part-time employees are exempted from this kind of coverage.
In case, work injury compensation is a requirement, ensure that the law is followed.
Though workers’ compensation may be a requirement in many states, the specifications of the law may differ from state to state. While in some States it is a part of the state-run initiative, in others, the program is run by private insurers. But if you are uncertain how it works in your state, it is better to get in touch with an insurance agent in your locality.
Have you hired your family members as employees?
There are some states where family members can be exempted from the Workers’ Compensation Insurance program of a business owner, though not always. Although it is easy to overlook that even your close family members such as a daughter, a brother or a spouse can be your employees technically, there are many cases where the law may treat them so as far as the scope of this insurance is concerned. So, you need to make sure where your state stands on this issue.
Workers’ compensation insurance is good for you and your insurance
The coverage protects your workers from health expenses that are incurred due to job-related injuries. However, workers’ compensation for small business also protects a business from lawsuits related to costs that are covered under this program.
Benefits Of Medical Insurance
May 24, 2017
Commercial insurance covers your medical and surgical expenses that would be financially a big blow to the majority of employees in any company. Illnesses and accidents do no happen with prior notice. They happen when you least expect it. To curb those unpleasant situations where mental, as well as monetary strain, is undergone by an individual, commercial insurance provides financial support.
Commercial insurance is not a compulsory benefit that one has to take up. But it sure does justice the term ‘benefits’ as there are many for a non-residential employee apply for foreign workers medical insurance .
1)Care provided outside of the hospital is called outpatient care. In this case, you don’t have to be admitted in order to receive treatment. The doctor recommends treatment based on the assessment that he conducts. There are various guidelines that he is to follow before declaring ‘outpatient care’
2)Transportation, in the case of emergencies, is covered by the medical insurance provided to the employee. The use of an ambulance is chargeable to the employer who has insured his employee under the foreign workers medical insurance.
3)Expenses like medication costs, medical report charges, treatment fees, medical consultation charges, surgery, ward fees and artificial limbs are incurred by the commercial insurance. Medical leaves are also compensated for. When the employee receives a doctor-granted medical certificate or hospital advised leave, the employee cannot be forced to work against his will.
4)Laboratory tests and medication for on-going treatment even after a surgery is undertaken by the insurance. Counseling, vaccinations, and therapy (if recommended by the doctors based on their assessment) are to be covered by the insurance.
5) In the case of fatal incidents like permanent disability caused due to an accident or chronic condition, speech therapy, occupational and physical therapy, rehabilitation and other such treatments are to be provided. The family is provided assistance with a lump sum amount as compensation to continue the treatment of the insured. If devices like artificial limbs or health monitors are necessary for the treatment of the insured, it has to be provided under the insurance. In the case of death, lump sum compensation is provided to the family or dependant to help them cope with the financial losses that they incur as their monetary needs are no longer provided for.
The benefits give a better sense of the importance of medical insurance and how a small amount of investment on a monthly basis can be useful in the long term.
What should your Foreign Worker Insurance policy cover?
March 29, 2017
What is the foreign workers insurance?
An insurance is an arrangement by which a company or may be the state ensure to give some kind of compensation in case of any kind of losses or damage or even in case of death. Foreign workers insurance is a type of insurance that covers individuals who go out of their native lands to work in a foreign country, against any medical injuries. Any individual who works in a foreign land for any tenure is liable to get this insurance. Any individual who travels out of their country is covered under this insurance to be compensated for any injuries that happen to them while they are on-the-job.
Even employees who come to a foreign land for a temporary stay get paid under the foreign workers insurance. The tenure for which an employee will be covered differs from one country to another. The question is why do an employee need such a policy? There are several reasons: firstly, an employee may have to stay in a foreign beyond a period that is permissible by law and during this stay he or she may be exposed to different kinds of hazards. Secondly, the employee may extract some local disease or infection. Thirdly, the employee may be injured due to some accident in the work place. To cover all these scenarios, a foreign workers medical insurance is needed.
Coverage scope of foreign workers medical insurance:
All those employees who are working in an office far away from their native place should know what all claims are covered under the foreign workers insurance. The coverage includes:
Hospital room charges: in case of hospitalization, the insurance will cover the cost of your hospital room charges to a certain limit fixed by the state.
Intensive or critical unit charges: in case you meet with an accident and is put in an intensive care unit, the insurance will cover the cost incurred.
Surgery charges: in case you have to undergo any surgery due to any accident or injury, the insurance will cover the cost.
Miscellaneous hospital expense: during your stay in the hospitals all the miscellaneous expenses like medicines, dressing, therapy chargesâall this is covered under this insurance.
Pre and post hospitalization charges: any kind of expense incurred for investigation and diagnosis pre and post hospitalization is covered by this insurance.
Hence the foreign workers medical insurance covers a lot of your medical expenses in case of any illness or injury.
The Big Risks in Business for Which You Need Public Liability Insurance
March 27, 2017
An owner of a business or the business itself can be exposed to certain risks when their equipment, sites or activities cause either property damage or personal injury to the members of the general public. This is known as the public liability for the business.
The size of the business is not important as even a small business can bear risks due to some damage caused to its customers. There are various instances when other organizations may not like to work with you if you have not purchased public liability insurance in Singapore. Even medium-sized and small businesses that are interacting with the public may get exposed to such risks due to small accidents while they are into their daily business activities. For instance, the builder leaving a heater accidentally on and that leads to a fire break-out at the client premises. Another example can be the leakage of a water pipe that stops all work in an office for several days. While these incidents may appear to be small, but there could be severe consequences for the customers. The latter could even proceed to take legal actions against the business that supplied the services or the goods.
What should be covered?
There are typically two terms associated with the Public Liability Insurance. They are “property damage” and “personal injury”. Personal injury is a broad term and its scope may also include defamation and mental injury. On the other hand, property damage may also constitute of loss of the use of a property though it has not got damaged. The PL insurance should typically cover the following.
ï·Property damage in the control, custody or care of the insured.
ï·Liabilities that are assumed as per the agreement
ï·When there is an occurrence of a personal injury or property damage due to the design error of the suppliers.
ï·When leased properties get damaged.
ï·Exporting products for locations where an insured person does not have any kind of physical presence.
ï·Use, operation, maintenance or ownership of watercraft.
ï·When pollutants get discharged accidentally or all of a sudden.
ï·Repair and service of the motor vehicles.
Apart from the points mentioned above, there could be other factors too. Moreover, the policy should also cover the expenses for defending the above-mentioned claims in a court and also for negotiations and investigations to this effect.
Whom can the policy protect?
ï·The policy should protect subsidiaries
ï·Sporting or social clubs created with the consent of the insured.
ï·Businesses or people to whom a promise has been made by the insured to arrange coverage
ï·Shareholders, partners, employees or directors of the insured.
How to Buy Coverage for Your House?
March 25, 2017
When you want to protect your house and its content as well as indirectly want to safeguard other assets during disasters like accidents, thefts and fire, homeowners’ insurance is a great option.
But it is interesting to know that a standard homeowners coverage may not cover damages caused by an earthquake or a flood and may need extra coverage. A standard homeowners’ coverage may also provide protection for your possessions from the above-mentioned disasters and against theft. However, never think that your standard policy is like a blank check. There is, after all, a restriction on the amount of compensation you will get. When you possess specific belongings of some value like artwork or jewelry, my out can pay some extra amount every year to get them insured for clawing their entire replacement value.
Moreover, if someone is visiting your property and slips down thereby spraining his or her ankle, the person might sue you to recover his medical expenses. Homeowners’ policy can cover your liabilities in situations like these. Such policies may not be mandatory by law, similar to vehicle insurance. However, your mortgage company may typically need you to buy a policy prior to sanctioning your loan.
What should be your coverage requirement?
The home insurance you are going for should be adequate coverage for rebuilding and furnishing your house from the scratch to its completion. You can consult a home builder and request them to inspect your home and provide a rough estimate on the amount it will take for rebuilding it. You should also remember to bring to their attention any expensive or unique details that may be also included in the cost of replacement.
After you have ascertained your home’s replacement cost, you need to also find out the type of policy you will need. Here are a few important terms to help you out.
Inflation guard or guarantee
It is a feature to ensure that the insured value of your home stays at par with the market.
Extended replacement coverage
Many insurance companies provide coverage, which limits the eventual payout at approximately 125 percent of the insured value of your home.
Coverage of guaranteed replacement cost
It signifies that an insurer is liable to pay for rebuilding your house irrespective of the cost. However, such coverage is not easily available these days.
In case you are privy to a good appraisal, a guarantee for inflation as well as extended replacement coverage, you are getting a good deal. This appraisal can offer a figure that is reliable while the inflation guarantee ensures that the price of your home stays current. You may also opt for flood insurance when you reside in a high-risk locality.
Contact Allegiance for any queries related to levy Bond or insurance related services.
164. Low Maintenance Types of Upholstery
March 9, 2017
Low Maintenance Types of Upholstery
The whole look of the furniture in any room depends mostly on the upholstery that is used on it. Choosing the kind of upholstery that is most suited to ones needs can sometime be a mammoth task as there are many varieties of colours and textures to choose from. One of the major criteria that come into play while choosing upholstery is easy maintenance. Here are a few types of low maintenance upholstery Singapore.
Natural fibres are made from natural origin such as wool, jute, cotton, flax, etc. These fibres are anti-allergenic, friendly to the environment and can also breathe easily.
Cotton is soft and breathable material, it is also durable, easy to clean and comfortable. As the price is also not very high it is a very economical type of upholstery. Cotton blends can also be used to increase strength and durability of the fabric as well as to add texture to it.
Linen is another natural fibre that is usually used for upholstery and is a great choice for the living room. It is elegant, unpretentious and most importantly it is resistant to pilling and soiling.
Wool upholstery is the most versatile as they can vary in texture and pattern. It is a very sturdy and durable kind of fabric. Along with this, wool has very good resistance to fading, wrinkling, pilling and soiling. Wool is easy to clean and maintain and remains as beautiful as the first day for many years.
Synthetic fibres are more resistant to fading and staining than natural ones. Thus a blend between a natural fibre and synthetic one are most commonly used.
Acrylic fibres are soft and warm; they are usually very light but have a high resistance to wearing, wrinkling, fading and soiling. They retain their colour even if kept in the sun for a long time.
Nylon is one of the strongest fibres, when blending nylon with other fabrics increases its durability, stain resistance and reduces wrinkling.
Polyester like nylon is most commonly used as a blend. It is durable and strong and is resistant to exposure to sunlight.
Suede and leather may not technically be fabric but are increasingly being used in furniture. The major advantages of leather are that it is soft to touch, durable, can come in a variety of textures, and is very easy to maintain as it is stain resistant.
Candidate Profile – Jon Golnik
February 14, 2017
First I want to apologize for the recent issues that we have had with regards to format errors, etc. You will notice that we have gone back to our old newsletter format in an attempt to address this for the time being.
That aside, the time is now upon us to get involved as best we can individually to collectively secure the future for those we hold most dear, our children and their future posterity.
I am sure you are all very much aware of the fact that the November elections are rapidly approaching. As we get closer and closer to November 2nd, I will be highlighting the efforts and positions of certain candidates who need our support so they can go to Washington and enact the change that we demand!
Today’s candidate is a man who I have had the chance to meet and speak with personally on numerous occasions. He is a man of conviction and a man who understands the responsibility of the task he will be charged with should we be fortunate enough to have him represent us.
Jon Golnik is not a career politician. As someone with a strong and diverse background, Jon will bring an innovative and refreshing approach to the challenges we face. His worries are your worries; he is your neighbor, your child’s sports coach and your friend.
I recently asked Jon why he decided to enter this particular race at this particular time. I will let Jon’s word’s speak for themselves:
“After the 2008 election I looked at my two children and simultaneously seeing what was going on in Washington with this new administration; the ongoing nationalization of private companies, the take over of the banking industry and the intrusion by the federal government into every aspect of our lives.
I looked at my elected congresswoman and saw a blind obedience to partisan party leadership who admitted to not reading legislation that would forever change healthcare, and a myriad of other bills with the goal, intentional or otherwise, of reshaping the country that I love. I said enough is enough.
We were raised in a country in which hard work and effort created success, and I want my children and yours to have the same opportunities we have had. For my children, for your children, and for the sake of America as we know it, I opted to stand up and be counted. My goal, if honored with the people’s vote and support, is to leave this country a better place for our children and grandchildren.”
That said it all for me. Please join Jon in creating a new type of elected leader. Please visit his website at http://www.jongolnik.com/ to learn more about his candidacy, his positions, and ways that you can help Jon Golnik win the Massachusetts 5th Congressional district seat on November 2nd!
February 14, 2017
If I ever get in a jam, I ask for no special treatment. Just treat me like a Democrat, like the wrinkly wife of a moonbat congressman who worships the ground Nancy Pelosi and her Botox walk on.
Treat me like Patrice Eremian Chew Tierney, aka Mrs. John Tierney. Gets indicted for laundering millions in ill-gotten gains for her brother, a fugitive gangster, and when she gets caught, she tells the judge she’s depressed and gets fined $2,500.
Think about it – a working man in Reading was just hit with a $2,000 fine for the crime of having no dough to buy himself and his family some RomneyCare health insurance he didn’t need. Now that’s a serious offense.
Two months ago, Christy Mihos was caught using his own personal funds in his campaign for governor, as well as filing late reports. The fine: $70,000.
Question: what’s the big difference between Mrs. Tierney and Mihos?
Mrs. Tierney is a Democrat. Thus, when she launders $8 million in ill-gotten gains, a criminal offense (at least if you’re a Republican), her penalty is a paltry $2,500 fine (plus those hefty $400 court costs). Nothing to see here folks, move along.
And what does John Tierney say on behalf of his felon wife?
“Today’s not about me.”
Or, as Richard Nixon put it, “I am not a crook.”
I’m reading the federal indictment of the Eremian gang last summer, and there’s a list of wire transfers Eremian, the Armenian Whitey Bulger, made to his sister/laundress:
•9/21/05, $20,000. Payee: P.T.
•1/27/10, $26,500. Payee: P.T.
“I was not involved,” the congressman claimed. “It had nothing to do with me.”
They must be the only married couple in the world that never talks about money, especially big chunks of it.
This is from the feds on Page 7 of the Eremian mob’s indictment: “Approximately $8 million was laundered through these U.S. bank accounts.”
Nice district, the 6th. The previous Democrat congressman was Nicky Mavroules, Nicky Pockets. He ran his office as a racketeering enterprise – that was the first line in his indictment. He used his son-in-law as his bagman, and they used a code in which a $5,000 bribe was “five bottles of wine.”
What a piker Pockets was. Patrice laundered 8,000 bottles of wine for the Mob.
Henceforward, John Tierney is known as “Johnny Pockets.” When the words “Nicky Pockets” and “racketeering” began to be used in the same sentence back in 1992, the voters threw Mavroules under the bus. Let’s see if they can do the right thing 25 days from now.
The Markey/Madoff Connection
February 14, 2017
Remember that “Cauldron of Corruption” I was talking about the other day? Well after going through the records provided by Markey’s opponent, Dr. Gerry Dembrowski in a bit more detail, it appears that Ed Markey received approximately $30,000 in campaign contributions from the one and only Bernie Madoff and various members of his family.
Take a look at the list below and you can see the details for yourself. Each line represents a donation that was made to Ed Markey.
I for one would like to know if Mr. Markey donated these contributions or did he turn a blind eye to the corruption because it once again served his own interests?
The Phantom Menace and the Cauldron of Corruption
February 4, 2017
OUR WARS : EPISODE 1 : THE PHANTOM MENACE
“Currently in a Democracy very very near….”
“EPISODE 1 THE PHANTOM MENACE”
“Turmoil has engulfed the Republic.
For example, Ed Markey currently chairs the Energy and Commerce committee. A closer look into his donations by the related industries leads one to seriously question whether or not Ed Markey is influenced to pass certain bills and set aside particular earmarks. At minimum, there is a clear and undeniable conflict of interest.
Here are just a few examples that can’t help but make one wonder whether or not Markey is a key component of the “pay to play” schemes that we all fear are happening in Washington.
Raytheon received a $4M appropriation thanks to Ed Markey. Ed Markey in turn received thousands in campaign contributions from Raytheon and its executives.
January 14, 2017
Jerusalem: What’s the Struggle About?” With Dr. Mordechai Kedar
Christians and Jews United for Israel (CJUI)is honored to present Dr. Mordechai Kedar, the distinguished Israeli scholar of Arabic and Islamic history and culture, on Sunday, January 16 at 7 pm at Temple Emeth in Chestnut Hill. His topic will be “Jerusalem: What’s the Struggle About?”
Dr. Kedar, who received his Ph.D from Bar-Il an University, is a lecturer at the Department of Arabic Studies and a research associate at the Begin-Sadat Center for Strategic Studies, Bar-IlanUniveristy.
Dr. Kedar, an expert on Islam, Islamic radicalism, the political discourse of Arab countries, and the Arabic press and mass media, served for 25 years in IDF Military Intelligence.
Dr. Kedar gained fame-and notoriety-with his 2008 interview on Al-Jazeera in Arabic with a Palestinian Islamist moderator, challenging the moderator’s assertions on Jerusalem. The interview can be seen on YouTube.
There will be a suggested donation of $10 per person for this event. Light refreshments will be served.