All Posts tagged Worker

Do You Need USLH Insurance?

Do You Need USLH Insurance?

Most people are familiar with standard workers’ compensation insurance policies covering on-the-job injuries and illnesses for employees. However, some industries require a more specialized version of this coverage.

All businesses that work near navigable waters must have U.S. Longshore and Harbor coverage for their employees. The federal government requires this type of insurance under the Longshore and Harbor Workers’ Compensation Act of 1927.

What Are the Protections of USL&H Coverage?

This kind of policy supersedes other workers’ comp laws because the federal government mandates its use. Some covered risks include:

  • Disability and death benefits
  • Weekly allowance payments for rehabilitation services required after an injury
  • Loss of wages benefits due to partial disabilities
  • Legal fees for claimants challenging a denial
  • Spouse benefits in the event of permanent disability or death.

What Types of Workers Need This Insurance?

Employees who work on the water have different requirements than those that work adjacent to navigable seas. Businesses that must secure this policy type include:

  • Harbor workers
  • Shipbuilders
  • Maritime construction workers
  • Longshoremen
  • Dock builders
  • Marine contractors

Employers with companies that conduct business near the water must have adequate USL&H coverage to cover illnesses or injuries sustained by employees while performing job tasks. Benefits depend on the worker’s earning capacity and wage loss following an injury.


Group Disability Made Simple

Group Disability Made Simple

If you have worker’s compensation coverage in your insurance policy for your business, you may wonder why you would need coverage to apply to the injury or illness of employees. However, caring for your employees well often includes short-term disability group coverage.

The Basics

The fact of the matter is that your employees could face huge losses if they must be away from work for more than a few days at a time. Group disability allows you to offer help if an employee must miss work for medical reasons. The amount given is a predetermined percentage of the employee’s salary. This can even apply to an absence like maternity leave. Short-term group disability coverage is based on the assumption that the worker will be returning to their job at the end of medical leave.

The Purpose

If your company can offer a robust benefits package to care for a plethora of medical possibilities, then perhaps group disability isn’t necessary for you. However, this type of coverage is helpful to businesses who can’t afford top quality medical benefits for every one of their workers. It ensures that they will still be taken care of in case of an accident or severe illness.

This small addition can be very beneficial to your benefits packages for your employees. Insurance experts can help you determine exactly what you need to best serve your employees and grow your business.