As an employer should I worry about foreign workers’ compensation coverage?

These days many businesses have a global presence which means that employees often travel to various part of the world on a frequent basis. American firms often hire local labor for their factories, operations, and manufacturing plants located in foreign lands and also send their supervisors and managers to oversee projects at these locations.

You saw this in Transformers 4 with KSI. They had operations in Beijing and in fact, this is where Galvetron came alive on his own and jumpstarted and took control of about 50 Transformers and turned them into Decepticons. Now this is fiction and KSI is a fictional company but Apple, Dell, and many other American companies have operations on foreign soil. One of the main reasons this is the case is that America in its current form is anti-business and passes regulations that push business away.

But what happens when a representative of the company falls ill or gets injured in a foreign country? Are they covered by worker’s compensation benefits? Now Galvetron would not care about this but he is a fictional robot and also uncooperative.

KSI thought they were ahead of the game. They were wrong. They were being played. This website is ahead of the game and understands the situation. It is Workers-Comp.USAttorneys. If you need legal help, click and call. Contact us if you have any questions.

Explaining ‘temporary travel period’

According to Billings, MT workers’ compensation lawyers, the good news is that most workers’ compensation provides coverage to employees under their insurance plans when they are injured in an alien country. However the coverage is for a ‘temporary’ travel period and if an employee is injured within a time frame he/she will get state of hire benefits following a workers’ comp claim.

This suggests that the coverage is applicable only if the worker is stationed abroad for a limited period of time. However, the term ‘temporary’ is not explained properly according to Montana workers’ compensation attorneys and in most insurance policies there is no mention of the specific time limit for which the coverage will last.

Perhaps even getting a prescription overseas can be a little stressful. You may need a Billings, MT workers’ compensation lawyer. 

Basic guidelines for providing benefits to employees who travel abroad frequently

If you have an employee who travels abroad for a span of two to three weeks at a time or even up to three months then a domestic workers’ compensation policy should be enough. You can buy a supplemental policy known as a foreign worker’s compensation policy at an inexpensive rate. This basically covers expenses that occur in case the worker is affected by an endemic disease and during repatriation.

Billings, MT workers’ compensation lawyers point out that it is prudent to buy an insurance policy that includes an endemic disease clause. Endemic diseases are ailments that are particular to a nation. The provision must provide financial coverage to workers who suffer from an endemic condition and to families of those who died in a foreign land due to the disease.

Contact us if there is any issues. We will probably call you back in a couple of hours. 

The insurance policy ought to also cover repatriation expenses. It covers the transportation cost in the event an ailing worker needs to be brought back to the US. Often insurance companies place a cap on this type of cost. Therefore the policy should be evaluated properly because bringing a worker back can burn a very big hole in your pocket.

If an employee must be stationed abroad for more than three months then you ought to acquire additional coverage for the extended period to enable them to get state of hire benefits. However, if the company hires local labor to run their unit in a foreign country they would have to buy local insurance in adherence with the country’s policies. Since each country has different rules it is sagacious and vital to check the laws and policies thoroughly before purchasing insurance.

If you have any concerns about workers comp it would be judicious to engage the services of a workers’ compensation lawyer in Montana. This is the best way to handle compensation issues with employees who travel abroad frequently.