Can FMLA and Workers’ Compensation Overlap?

FMLA and Workers' Compensation

Laws have been created to protect employees who are injured on the job or who require extended time off. Both the Family Medical Leave Act and workers’ compensation were designed to help employees in those situations.

Approved Reasons for FMLA

FMLA ensures job protection for qualified employees who request unpaid leave. There are specific reasons for qualifying for FMLA, and the period of time must not exceed 12 weeks in 12 consecutive months.

  • Taking care of a family member with a serious health condition
  • Bringing a new child into the family, either by birth, foster care or adoption
  • Recovering from a health condition in which the employee isn’t able to perform essential job duties

Rules for Workers’ Compensation

Workers’ compensation provides income and health care for qualified employees who are injured or become ill on the job. It doesn’t necessarily allow for job protection, however.

If an employee qualifies for compensation under the laws of both FMLA and work comp, the employer must evaluate the situation and provide leave under whichever law gives the employee the best compensation. Each state has different rules pertaining to FMLA and workers’ compensation, so the choice can seem daunting. To avoid confusion, it’s important for the business owner to discuss options with their insurance agent.

FMLA and workers’ compensation are in place to help employees in their time of need. Business owners who are prepared will better serve their workers.

Management Insurance for Growing Companies

Axis Insurance Services

It’s quite common for smaller companies and startups to function on an efficient staff that is closely-knit, with a simplified corporate structure. It really makes sense to operate this way as long as you can, because the small community of people who understand each other is an efficient decision-making unit. It’s also impossible for it to sustain if your goal is to grow your company, especially if that growth is in the direction of an eventual IPO. When your operational complexity rises to the point where you need a corporate board and a full slate of traditional company officers, it’s time to look into revamping your risk management plan to include D & O liability and other important management insurance products.

A Broad Net for Coverage

It’s very easy to under-insure growing corporations because their fast expansion can sometimes lead to liability in areas the old plan does not cover yet. That’s why it’s essential to work with a provider who understands everything there is to know about insurance for your executives and company management, as well as providers who can give you standard coverage options like general liability insurance and worker’s compensation. Axis Insurance Services has provided a clear rundown of how D&O policies differ from other kinds of corporate insurance, and it’s vital for your company’s new officers to understand how it protects them individually, in addition to the way it protects the company.

Meeting Coverage Requirements for Temp Laborers

PEO Workers Compensation

Temporary or contract labor arrangements make it easy for some businesses to keep up with short-term or specialized labor needs without damaging their bottom line and restructuring administrative tasks to handle the new employees. However, there can be challenged associated with making sure the temp employees are given the benefits they may be eligible for under federal or state regulations. One of the most questioned areas of benefits eligibility is that of workers’ compensation.

Tasks of a PEO

Rather than try to navigate the complex and changing water of benefit plans and employer requirements, according to the information at, many small to mid-level businesses will work with a professional employer organization to help with the administration of employee benefits. These companies offer comprehensive business solutions for areas of human resources such as:

  • Payroll
  • Tax withholdings
  • Benefit administration
  • HR-related documentation

A company can rely on the PEO workers’ comp offerings to satisfy federal or state requirements without the headache or hassle of trying to secure an extended policy or determine eligibility. The size of the PEO makes the benefit plans more affordable, as there may be multiple companies relying on the services of the PEO and a better deal is negotiated through the PEO and the insurance providers.

The employer that wants to remain compliant with workers’ comp laws can use an umbrella agency, such as a PEO, to meet coverage requirements.

Insurance For Individuals and Professionals

arroyo insurance

Insurance For Individuals and Professionals

If you want insurance coverage provided by experts that understand your needs and offer exceptional policies, then you need Arroyo Insurance. This company provides services for individuals and businesses in a wide range of industries, offering protection for both assets and business dealings.

On the Business Side

Insurance policies help lessen the risks businesses face in the industry. There is also a wide range of coverage options. Some of these may suit some companies better than others, which is why an insurance agent helps you determine the level of coverage your business needs. The following is a short list of potential coverage options you can discuss with your agent:

General liability

Professional liability

Cyber liability

Worker’s compensation

Employee benefits

Surety bonds

Umbrella coverage

Commercial auto

On the Personal Side

Although your personal life does not face the same risks as your business, there are still certain aspects that should be covered. That way, you can be protected in the event of an accident or disaster. Insurance products for your personal life include the following:

Homeowner’s insurance

Auto insurance

Watercraft and recreational vehicle coverage

Umbrella coverage

Life insurance

No matter if you are looking for insurance to protect your business or your personal assets, Arroyo Insurance offers the products you need. You can feel secure at work and at home thanks to the exceptional services provided.

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