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Worker's Compensation

FAQ1

How many employees must I have in order to be required to provide workers' compensation insurance?

A:	If you regularly employ three or more persons in your Georgia business, you are required to provide the benefits.

A:	If you regularly employ three or more persons in your Georgia business, you are required to provide the benefits

FAQ2

Does this include part-time employees?

A:	Yes, as long as they are regular.

FAQ3

What do you mean by "regular" part-time employee?

A:	A regular part-time employee works regularly on a part-time basis. Such as employees who only work on weekends.

FAQ4

If my business is incorporated, am I or my fellow officers considered to be employees of the business?

A:	Yes. The corporation is considered to be the employer and all officers are considered to be employees of the business.

FAQ5

Can officers waive coverage on themselves?

A:	Yes. As many as five officers may waive coverage on themselves. Each such officer must complete and sign a form WC-10 and file it with their insurance carrier.

FAQ6

If one or more officers waive coverage, does this exempt them from being counted in the "three or more employees" rule? (See FAQ 1)

A:	No. Officer exemptions do not reduce the number of employees of the corporation.

FAQ7

What if I am operating my business as a sole proprietorship or partnership?

A:	The Georgia Law considers sole proprietors and partners to be employers not employees, just the opposite of corporations. However, they can elect to be covered as an employee by advising their insurance carrier in writing.

FAQ8

How can I learn more about the law regarding Workers' Compensation in Georgia?

A:	Consider purchasing Georgia Workers' Compensation Laws, Rules and Regulations Annotated. This book can be ordered from Lexis-Nexis. For details, you may call them at 1-800-833-9844.

FAQ9

Who can I talk to at the State Board of Workers’ Compensation about insurance?

A:	Call Stan Bexley at 404-657-7285.

FAQ10

How can I contact the Georgia Workers' Compensation Assigned Risk Plan?

A:	The Georgia Workers' Compensation Assigned Risk Plan is administered by the National Council on Compensation Insurance (NCCI). Their toll-free telephone number is 1-800-622-4123. Their web site is http://www.ncci.com

FAQ11

Can I purchase insurance from the Georgia Stae Board of Worker's Compensation?

A:	No. The Georgia State Board of Workers’ Compensation does not sell worker's compensation insurance. Please contact TCIS-The Complete Insurance Source at 770-371-8247.

FAQ12

Does Georgia have a State Fund?

No.

FAQ13

How do I become self-insured?

You need to complete an application, and return it to the Board, along with the required documents and processing fee of $500.00. The application and process can be obtained by calling 404/656-4893 or on our website. You can access additional information and forms on the website for the Georgia Self-Insurers Guaranty Trust Fund (www.gaguaranty.com).

FAQ14

Does being self-insured mean that I don’t have to purchase workers’ compensation insurance, and that I put the money in the bank to pay for my employee’s workers’ compensation injuries?

No. In order to be self-insured, you must be approved as a member of the Georgia Self-Insurers Guaranty Trust Fund and certified by the State Board of Workers’ Compensation. The application and process are available from the Licensure and Quality Assurance Division of the State Board or from the website for the Georgia Self-Insurers Guaranty Trust Fund (www.gaguaranty.com).

FAQ15

Do you license insurance adjusters?

A:	No. Questions regarding insurance adjuster’s licensing should be directed to the Office of the Insurance Commissioner at 404-656-5166.

FAQ16

I am concerned about my rating. Who should I contact?

A:	Ratings are handled at the Office of the Insurance Commissioner at 404-656-4449.

FAQ17

How do I get information regarding the Certified Workers’ Compensation Professional (CWCP) program?

A:	You can contact Stacey Forristall at 770-880-9690 or by e-mail at stacey.forristall@rmitraining.net. The website is www.rmitraining.net.

FAQ18

Am I required to have an adjuster’s license to handle workers’ compensation claims?

A:	Adjuster Licensing is handled by the Office of the Insurance Commissioner. Please call 404-656-2081

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Emory & Marie L.
Fayetteville, GA