A community of 30,000 US Transcriptionist serving Medical Transcription Industry

Workmans Comp Insurance Necessary? - SeriousMT

Posted: Jan 05, 2012

So I am about to take on a second IC job in a few days. Was just about to sign the contract agreement and as I was reading through it, I noticed that while it didn't expressly say I HAD to purchase workman's comp insurance, it did say that I was responsible for workmans comp.

Is this something anyone is familiar with? Is it really necessary for me to purchase on my own if this is a part-time IC job and the company has a secure server with upload/download capabilities? My pay is so miniscule that the thought of having to take out insurance on my own is pretty scary to me right now...We have liability insurance through our own private insurance company (my family) which is to cover us in case we get sued. Would this be sufficient rather than taking out workmans comp?

Thanks for any advice you can provide...

Liability and WC are 2 different things. - MT

[ In Reply To ..]
WC doesn't cover any liability. It is there in case you get injured on the job and then subsequently file a claim. So your family's personal insurance with liability coverage is a different animal.

I suspect the company just inserted that as a "CYA" measure. It is entirely up to you whether or not you purchase any additional coverage to protect yourself in case you are injured on the job or suffer some physical problem (carpal tunnel syndrome, etc.) as a result of it. That could certainly take the form of a private long-term disability policy or contributing into the Workman's Compensation fund.

If you work another job that is employee status, you are covered by them - But it blurs the lines if also IC sm

[ In Reply To ..]
Worker's Comp is insurance an employer pays to cover their workers against any injuries which occur while working. This can be an acute injury or an "occupational disease" injury. Occupational disease has to be proven that you received the condition directly from your occupation, eg - coal miners have respiratory issues, which are considered occupational diseases, a lot of factory workers have issues with upper and lower extremities, and back If the condition arises slowly, it's considered an occupational disease, and the employer's insurance is responsible for all costs of treatment, and the worker's pay while off work.

Transcriptionists can suffer numerous types of occupational diseases, eg diseases of the neck, wrists, hands, etc. If you are one who works for several different companies, it has to be determined which employer(s) are responsible for covering treatment, and that's who you file a claim against. If you are an IC part-time, they could decide it was YOUR IC job that caused the disease and YOU will be responsible for ALL treatment costs. Hope this helps.

As an IC you are the owner of your company and not covered by WC - Happy MT Robin

[ In Reply To ..]
Not sure why the company would require WC insurance. As an IC you are essentially the head of your own company and typically owners are excluded from any kind of WC policy.

The liability is another animal, as another poster said. There's general liability such as that you have on your home which will cover you if someone trips and falls or injures themselves somehow on your property. What some MT companies are trying to require is Errors & Omissions insurance which is very expensive (usually) and questionable as to whether you should be really required to carry it as an "IC" working for an MTSO.

Thanks everybody! - SeriousMT

[ In Reply To ..]
This was exactly the information I needed. I am not planning to purchase my own workman's comp...hence, I would not hold the company responsible should I develop anything like carpal tunnel syndrome. LOL! What I was concerned about was whether I could be held liable by the company should someone infiltrate their system and gain access to records I had transcribed. My guess is no -- better go review my HIPAA notes...

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