Working injuries can be traumatizing, life-changing experiences. If left untreated, you can find that your productivity is lowered, your morale is down, and you may have health issues that last a long time.
Work-related injuries can happen as a result of employment, volunteer work, or any type of personal activity that requires manual labor. The number one cause of work-related disability in the United States is pain and discomfort resulting from daily tasks.
Workers’ compensation is a policy that allows you to pay for some of these injuries by helping cover the costs for medical bills, pain and suffering relief, and/or disability payments. Many hospitals offer it as do insurance companies.
There are many rules and regulations for workers’ compensation policies. Some of these include who can apply for benefits, how much they are covered for, what kind of work they must do to be eligible, and when they begin taking effect.
Why do some organizations have it
Workers compensation insurance is a widely accepted way for an organization to stay safe and secure when a member is injured on the job. Insurance helps reduce the impact of a workplace injury or death by covering medical and funeral expenses.
Many churches utilize this policy for their staff. It is a cost effective way to protect your workers. Many churches require all members to have this insurance in order for staff to be responsible for paying their own premiums.
In addition, having insurance can help cover costs down the road when someone gets injured or dies while working for the church. Insurance can also be purchased in conjunction with employment contracts which require workers’ compensation coverage.
Workers compensation insurance is a must have for any organization that employs members. It is also helpful to have if an employee gets injured on the job.
Does my church need it?
A church can pay any member or staff member a salary of up to $300,000 per year. This is great! However, most people cannot continue to work at such a high level after some years.
Due to the nature of their job, employees in Churches must have worker’s compensation insurance. Because of this, the employees in the Church are not only covered for their own personal injury and disease expenses, but also those of their colleagues.
Since health insurance isn’t a part of employment sponsorship agreements for Church Staff, most people choose not to have health coverage. This can be a downfall when an employee gets injured or diseased and needs medical attention.
If you think someone from your church needs worker’s compensation insurance or maybe they don’t have it but you need it for yourself, get it! It is worth the investment in your personal health and well-being.
What are the risks in my church
There are many different types of churches, all with their own risks. Some of these include:
Aircity churches that have a large population that lives in the surrounding community. These are more likely to have a risk because they are so close to where people go to worship and social events.
For example, a church in a very popular location or known for good ministry. In this case, there is more risk due to the pressure to provide good ministry.
Aircity style churches that have had opportunities to provide security for short-term needs such as housing or building protection, or those looking for long-term protection from threats of arson or theft.
Security companies that provide overnight stays at church and/or overnight housing at church for plane flights if necessary. This gives potential security personnel an opportunity to earn money by providing security services on a consistent basis.
The ability to obtain adequate insurance is very important when working as a employee at a vulnerable position such as an employee at a security firm.
Can I get it through the church?
If you’re a worker who needs church insurance, you may be wondering if you can get it through your church. The answer to this depends on what kind of work you do and what kinds of insurance you need.
Some forms of work-related insurance such as personal health insurance require professional recognition. Others like Church Insurance are not specific to a profession but rather cover any type of medical treatment needed.
In some cases, the recognition is enough to get Church Insurance but in other cases it is not enough to get Church Insurance. It all depends on the coverage needed and how much churches need it.
What is the cost of workers compensation insurance?
While workers compensation insurance is not a required part of most churches’ insurance policies, it can help save your congregation money in cases of injury or death.
Many churches use little-known church buildings or facilities, such as conference centers. As a result, you may not know that the facility has workers compensation insurance.
Costs can be steep, however. The cheapest option may cost close to $250 per year! That price may seem expensive at first, but when you compare it to the cost of repairs and services that you might need while being held in the building due to an accident or incident, it truly makes sense.
People who are involved in industrial accidents or incidents can have serious physical and mental damage from these injuries. When those people go to see professionals because of this, they typically receive no care because they are only involved in the incident or break-down of their job.
What is the cost of my church?
While no one should be forced to work without insurance, the cost of workers compensation insurance for a small church is an issue to consider.
Costs can be high due to the small size of most churches. Many do not have staff insurance, allowing them more financial freedom to cover expenses however they see fit.
However, if someone were hurt on the job, the cost of medical treatment would be paid by the company or organization that hired them. This could be costly if it was not covered by medical insurance or not covered by doctor and drug expenses.
Smaller churches may not need as much workers compensation insurance as larger ones may because of this reason. If a large church had employees with workers comp coverage, then only the large church would need workers comp coverage for one reason or another.
Who supervises workers compensation claims?
If your church employee is injured on the job, they may need workers compensation insurance to help pay for medical expenses. In fact, around one out of every five employees in America is considered a vulnerable person, such as a member or visitor who may be easily hurt.
Unfortunately, the number of claims made by members with minimal experience at work can be astronomical. This is why there are many companies that offer training programs for uncertified workers. After receiving the training program’s required documentation, the individual can start working!
If your employee has a bit of experience at work, but no further training aside from what they get from the job, then there does not need to be any insurance coverage. However, if they have little or no experience with daily tasks then you should have some insurance coverage.
What are my options for obtaining workers compensation insurance?
Most central valley employers contact their local Chamber of Commerce to see if there is a church or community center where workers compensation insurance can be obtained. Many churches offer insurance through their employee benefits plan.
If you do not have a church or community center, you can acquire insurance at a nearby facility such as the hospital, nursing home, or fitness center.