New York Workers Compensation And Employers Liability Manual
New York Workers Compensation And Employers Liability Manual – 3 NEW YORK WORKERS’ COMPENSATION Page i 1st Printing, Issued January 1, 2007 CONTENTS CONTENTS Page ADMINISTRATIVE RULES AND PROCEDURES A. GENERAL INFORMATION… P-1 B. DEFINITIONS P 1. 1. Rating Board… . Department .. P-1 C. APPROVAL… P-1 D. SUBMISSION REQUIREMENTS 1. Renewal Policy and Certificates… P-1 2. Validations… P-1 3. Cancellation or Return… P -2 E. ESTABLISHMENT OF CLASSIFICATIONS AND RATES… P-2 F. INCORRECT SIGNATURE 1. Policy, renewal or approval certificates… P-2 2. Appeals… P-3 3. Amendments… P -3 G. RATING INFORMATION 1. Rating Information… P-3 2. Tariffs… P-3 H. GENERAL INFORMATION 1. Bulletins and Circulars… P-3 2. Summary of Rules and Interpretations P -3 I. INSPECTION AND TESTING OF THE SITE… P-4 J. COMPLETED CONSTRUCTION PROJECTS 1. Suitability… P-4 2. Approval Required… P-4 K. CANCELLATION PROVISIONS, RECOMMENDATIONS AND NOTICE OF INTENT DO NOT RENEW 1. Cancellation… P-4 2. Reinstatement… P-5 3. Notice of Intent Not to Renew… P-5 L. NEW YORK APPROVALS 1. Forms Where to Find… P – 5 2. Standard forms… P-5 3. Notes on the forms… P-6 M. APPEAL PROCEDURE… P-6 PART ONE RULES AND GENERAL A. WORKER’S COMPENSATION… R- 1 B. STANDARD POLICY…R-1 C. APPROVAL FORMS…R-1 D. POLICY AND APPROVAL FORMS…R-1 E. APPLICATION OF MANUAL RULES… R-1 F. EFFECTIVE DATE 1 Manual.. .R-1 2. Modifications…R-1
4 Page ii CONTENTS OF NEW YORK WORKERS’ COMPENSATION Published January 1, First Printing G. DATE CLASSIFICATION ANNUAL 1. Definition… R-2 2. Rewritten Policies… R-2 3. Long Term Policies.. R -2 RULE II EXPLANATION OF COVERAGE AND METHOD OF INSURANCE A. PART ONE WORKERS’ COMPENSATION INSURANCE 1. Description of coverage… R-3 2. Legal coverage… R-3 3. Longshore coverage… R-3 PART B TWO EMPLOYERS’ LIABILITY INSURANCE 1 .Description of Cover… R-3 2. Employer’s Sickness Liability… R-3 3. Admiralty or Federal Insurance Act Employers’ Liability… R-3 4. Employer’s Liability Insurance with Workmen’s Compensation Insurance… R-3 5. Employers’ liability insurance without compensation Workers’ insurance… R-4 C. PART THREE INSURANCE IN OTHER COUNTRIES 1. Description of coverage… R-4 2. Countries where it is not available.. R-4 3 .Restrictions on Use… R-4 4 Premium… R-4 D. VOLUNTARY INDEMNIFICATION INSURANCE 1. Description of Coverage… R-5 2. As Provided… R-5 E. SUFFICIENT INDEMNIFICATION AND INSURANCE OF EMPLOYEES 1. Description of coverage… R-5 2. How provided… R-5 F. COVERAGE FOR VOLUNTEER FIREFIGHTERS 1. Description of coverage… R-5 2. Group insurance… R-5 3. Premium.. R-6 G. AMBULATORY VOLUNTEER COVERAGE 1. Description of Coverage… R-6 2. Group Insurance… R-6 3. Premium. .. R- 7 H. LEASING OF EMPLOYEE 1. Definitions… R-7 2. Law and statute… R-8 3. Premium for leased workers… R-8 a. User policy… R-8 b. Contractor as Contractor… R-8 4. Revision… R-8 I. OPTION LEASING OF EMPLOYEES 1. Definitions… R-9 2. Law and Status… R-9 a. Policy of the contractor/client… R-9 b. Separate User Policy… R-9 c. Separate policy for labor contractors… R-9
New York Workers Compensation And Employers Liability Manual
5 NEW YORK WORKERS’ COMPENSATION Page iii 1st Printing, Published January 1, 2007 CONTENTS 3. Leased Workers’ Premium…R-9 4. Overview… R Policy Filing… R Experience and Merit Evaluation Factors. .. R Premium discount… R Retrospective assessment… R Cancellation… R Statistical data… R-10 RULE III PREPARATION OF INSURANCE POLICIES, POLICY PERIOD AND BUSINESS STATUS A. EXPLANATION OF TERMS 1. Employer.. R Insured… R Majority share… R Risk… R-11 B. NAME, ADDRESS AND OTHER BUSINESSES OF THE INSURED PERSONS Item 1. 1. Combination of legal entities… R Single seat… R Multiple locations.. R-12 C. POLICY PERIOD Item 2 1. Usual policy period… R Policy for one year… R Policy for duration longer than one year… R Possibility of fixed three-year interest policy… R- 13 D STATE LAWS SPECIFIED IN THE POLICY Article 3.A. 1. List of States… R Longshore Act… R Additional States… R-13 RULE IV CLASSIFICATIONS A. GENERAL EXPLANATION… R-14 B. EXPLANATION OF CLASSIFICATIONS 1. Basic Classifications… R Standard Exception Classifications a. Employees 1. Office employees… R Remote employees… R-15 b. Editing and remote work… R-15 c. Drivers, chauffeurs and their helpers… R-16 d. Sellers, collectors or external messengers… R-16 e. Supplier’s Itinerary… R-16 f. Executive Officers… R General Inclusions… R General Exclusions… R State Classification… R-17
New York Sales Representative Statutes
6 Page iv NEW YORK WORKERS’ COMPENSATION INDEX Published January 1 Reprint C. TEXT OF CLASSIFICATION 1. Headings… R Notes… R Words and Phrases a. All employees, All other employees, All operations or All operations until completion… R-18 b. Clerical… R-19 c. Pilots… R-19 d. Includes or &… R-19 i. No or no… R-19 f. NIGHT… R-19 g. Or… R-19 h. Sellers… R-19 i. It is rated especially… R-19 j. History at height… R-20 D. ASSIGNMENT OF CLASSIFICATION 1. Subject of classification procedure… R Activity not described by manual classification… R Assignment of additional basic classification… R Classifications limited to different companies. .. R Standard Exception and General Exclusion Operations… R Activities Described by Standard Exception Classification… R Construction or Assembly Operations… R Manufacturing and/or Assembly… R Multiple Classifications and Locations… R Labor Exchange. .. R-24 F. HOW TO DISPLAY CLASSIFICATIONS IN SECTION 4 OF THE INFORMATION PAGE 1. Activity described by classification… R-24a 2. Activity not described by any classification… R-24a RULE V BASIS OF BONUS A. BASIS OF COMPENSATION TOTAL BONUS… R-25 B. COMPENSATION 1. Definition… R Includes… R Exemptions… R Payrolls… R Wages paid during idle time in . Stalls… R-27 b. Salaries paid to key employees… R-27a c. Stoppages other than Construction, Construction or Clearing Hazards… R-27a C. PAYROLL ESTIMATES 1. Payroll Estimates by Classification… R-27a 2. Determination of Payroll Estimates… R- 27a 3. Approval of Payroll Estimates list. .. R-27a
7 NEW YORK WORKERS’ COMPENSATION Page v 1st Printing, Published January 1, 2007 INDEX D. FULL DOLLAR PAGE… R-27a E. TRAVEL TIME 1. Definition… R-27a 2. Workers’ Wages Exclusion overtime.. R-28 F. LIMITATION ON PAYMENT EXCEPT FOR BUILDING CLASSIFICATIONS CONTAINED IN RULE V.G. 1. When Payroll Restriction Applies… R How Payroll Restriction Applies… R Partial Week… R-28 G. PAYROLL LIMITATION CONSTRUCTION EMPLOYMENT CLASSIFICATIONS 1. To Whom Payroll Restriction Applies… R When Payroll Restriction Applies.. R How Payroll Restriction Applies… R Partial Week… R-30 RULE VI RATE AND DETERMINATION OF PREMIUM A RATE 1. Definition… R Manual Rate… R ( a) Rates. .. R Authorized Rate… R Show Rates in Item 4 Information Page… R Non-Taxable Items… R -31 B. PREMIUM DETERMINATION… R-31 C. WHOLE DOLLAR PREMIUMS… R-32 D. COST CONSTANT 1. Explanation… R Amount of Cost Constant… R Premium Discount, Experience Rating, Retrospective Rating, Merit Rating and Terrorism Charges… R Minimum Award… R Information Page.. R- 32 E MINIMUM AWARD 1. Explanation… R Location of Minimum Award in Manual… R How Determined… R Rating of Experience and Merit… R Adjustment after Review… R Special Minimum Premium Requirements… R Employers’ Liability Policies… R Multi-State Policies… R-33 F. DEPOSIT PREMIUM 1. When Payable… R Amount Payable Annual Adjustment… R Amount Payable Temporary Adjustment… R When Credit Allowed… R Three Year Fixed Rate Policies.. R-34 G. PAYMENT VERIFICATION AND PREMIUM ADJUSTMENT… R-34 H. CHANGES TO GRADING 1. Experience Rating… R Merit Rating.. R-35
8 Page vi TABLE OF CONTENTS NEW YORK WAGES Published January 1, First Printing I. PREMIUM DETERMINATION FOR CONSTRUCTION EMPLOYEES SUBJECT TO RULE V.G…. R-35 J. PREMIUM DETERMINATION FOR FEDERAL AND NAVAL INSTRUCTIONS K…. R-36 APPENDIX I CREDITS FOR SECURITY PROGRAMS 1. Definition of Modified Premium… R Surcharge Premium and Credits… R-36 RULE VII PREMIUM DISCOUNT A. EXPLANATION… R-38 B. DEFINITIONS 1. Premium Standard… R Total Standard Premium … R Insured… R-38 C. RETROSPECTIVE RATING… R-38 D. DETERMINATION OF PREMIUM DISCOUNTS 1. No retrospective rating a. Politics of one state… R-38 b. Multi-State Policy… R Retrospectively Assessed… R Other Methods… R-39 E. COMBINATION OF POLICIES 1. Combination Permitted… R Combination Procedure… R-39 F. COMPLETED BUILDING PROJECTS 1 General Explanation. .. R Application of premium discount rules a. Insurance company… R-40 b. Policy Limitation… R-40 c. Eligible entities… R-40 d. Premium request… R-40 e. Position Requirements… R-40 f. Duration Condition… R-40 y. Procedures… R-40 RULE VIII LIMITATION OF LIABILITY A. WORKERS’ COMPENSATION POLICY AND EMPLOYERS’ LIABILITY POLICY 1. Part One Workers’ Compensation… R Part Two Employers’ Responsibilities a. Limitation of liability… R-41 b. Increased limits Employees are not subject to… R-41 c. Accident limit Employees are not subject to… R-42 d. Limit of sick leave Employees are not subject to… R-42 e. Show Limits on Information Page… R-42 B. EMPLOYERS’ LIABILITY INSURANCE WITHOUT WORKERS’ COMPENSATION INSURANCE 1. Coverage… R Standard Limits… R Increased Liability Limits… R Premium Determination… R -43
Workers’ Comp Insurance For Plumbers
9 NEW YORK WOMEN’S COMPENSATION Page vii First Printing Published January 1, 2007 INDEX C. ADEQUATE COMPENSATION INSURANCE 1. Standard Limits… R Increased Limits… R Premium Determination… R Wage Records… R – 44 D FEES FOR VOLUNTEERING AND EMPLOYER’S LIABILITY INSURANCE 1. Standard limits… R Liability limits for repatriation costs… R Increased limits… R Premium determination… R Payroll registers… R-45 RULE IX SPECIAL CONDITIONS OR OPERATIONS AFFECTING COVERAGE AND PREMIUM A. EXECUTIVE OFFICERS 1. Definition… R Law and Status… R Exempt Executive Officers… R Corporations with One or Two Executive Officers a. Where coverage is required… R-46 b. Where coverage is not required… R Executive officers of non-profit organizations… R Determination of premium a. Corporations… R-47
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