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I hired a nanny. What about worker’s compensation and disability insurance?

SUMMARY: State insurance regulations define who is required to carry worker’s compensation and disability insurance. The rules vary by state. We recommend meeting with a licensed insurance broker to discuss your local regulations and review all of your insurance needs when you become a household employer.

Worker’s Compensation Insurance is protection mandated under state law for a worker and his or her dependents against injury and death occurring in the course of employment. It is not health insurance, and it is not intended to compensate for a disability other than disability caused by injury arising out of employment.

The purpose of a worker’s compensation system is to provide financial and medical benefits to the victims of ‘work-related’ injuries and their families regardless of fault. The cost of this insurance is borne by the employer. Insurance premiums are determined by the number of employees, their annual payroll, and the type of work they do.

This insurance may be purchased through a licensed insurance broker and/or a state insurance fund. This is a policy of insurance and not a payroll tax.

» Click Here to see the US Department of Labor Survey of Worker’s Compensation rules as they apply to domestic service.

» More Information About Workers’ Compensation Insurance

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