Voluntary Worker's Compensation
The most important asset of any company is its
employees. The risk of injury to your employees is much
higher when they travel outside their home country.
In addition to the typical medical and lost wages coverage
common to domestic worker’s compensation coverage,
your employees who travel overseas also need coverage
for medical treatment and transportation home, or to
medical facilities overseas that provide the quality
medical care expected by Americans.
While domestic worker’s compensation policies
provide temporary coverage for short overseas trips,
this coverage will not provide adequate protection,
and can increase the cost of your domestic worker’s
compensation insurance program.
BEWARE! Did you know that:
- The definition of “temporary” coverage
under domestic worker’s compensation policies
is not defined and that every state handles it differently?
- True 24-hour coverage is not available through the
domestic worker’s compensation “temporary”
- “Temporary” coverage does not provide
for endemic diseases and war coverage?
- No repatriation is provided under “temporary”
domestic worker’s compensation coverage?
- No travel services or medical care coordination
is available under “temporary” worker’s
Adequate Foreign Voluntary Workers
- 24-hour, broad coverage for employees traveling
outside the U.S. or their home country.
- Repatriation coverage to transport sick or injured
employees to areas where they can get reliable care,
and to transport family members to be with injured
- Defense Base Act (DBA) coverage, which may be required
by law or your government contract.
- Benefits levels that can be set by you.
- Significant savings on your domestic worker’s
compensation program by separating international losses
from domestic losses.
This description of coverage is
not an insurance contract. Your policy is the contract
that specifies and fully describes your coverage. Conditions
and exclusions will apply. Not all coverage described
is available in all states.