|
Pay-As-You-Go Workers' Compensation Solutions
Usually workers' compensation insurance premiums are based on ESTIMATED PAYROLL figures determined prior to the policy period. In other words, premiums are based on a guess work approach without regard to policy changes.
Eastern Michigan Agencies Pay-As-You-Go Workers' Comp Program offers an incredible solution to traditional Workers' Compensation Insurance.
 With our program there are no up-front deposits or finance charges.
The "Guess Work" premium calculation is a thing of the past!
Eastern Michigan Agencies Pay-As-You-Go Program is made possible through the innovations of Payroll Deduction technology. This system eliminates the old pitfalls of traditional policies and calculates the "Net Rate" of the premium every payroll period.
This is the only way to offer an actual Pay As you Go Workers Compensation program. Anything else is simply a look-alike program that does not prevent audits and additional lump sum premium payments.
Benefits of Pay-As-You-Go Insurance
- Eliminate down payments and dreaded end of year audits!
- Premiums are Based on Actual Payrolls vs. Estimates
- Maximize Cash Flow
- Eliminate Large Installment Payments
- Eliminate or Reduce Year-End Additional Premiums - Due to Audits
- Real-Time Evaluation of Premium Payment History and Calculations
|
|
Student Workers: Know the Laws
Q: I have several student workers on my staff for the summer. What are some of the basics regarding student rights and work limitations?
A: As an employer, you are required to follow OSHA Teen Guidelines and Fair Labor Standards. You and your student employees should be aware of student worker laws and rights.
Hours of Work:
According to Child Labor Laws, no employee under the age of 16 should be on the job after 7 p.m. while school is in session. Child Labor Laws determine how many hours a student can work based on the student's age.
Ages 14 - 15:
While school is in session, students can work no more than three hours per day, including Fridays and no more than 18 hours per week.
On the weekends, school-leave days and holidays, students can work no more than eight hours per day. When school is not in session, students can work no more than 40 hours per week. When school is in session, students can work no earlier than 7 a.m. and no later than 7 p.m.
Ages 16 - 17:
Students 16 and older can work unlimited hours as long as their job is a non-hazardous position.
At the End of the Day:
While you don't want to think about the possibility if one of your workers being killed at your place of business, the fact is that teen homicide is the leading cause of work-related death, especially in retail and food-service industries. Make sure you have a safety plan in place and offer training that instructs your employees what to do in the event of a robbery or other violent act on the premises.
- Remember that students younger than 16 are not to work past 7 p.m. on school days.
- Never leave a student worker alone on the job.
- Never let student workers close on their own.
- Remind them to report any customer (or worker) threats or acts of violence.
- Let them know that they should call the police if they notice any suspicious behavior.
- Have phone numbers for the police department posted near the phone.
For complete information on hiring teen workers, visit OSHA's Teen Workers site at www.osha.gov/SLTC/teenworkers/index.html. To find out more about WorkSafe Student programs or to order teen training materials contact your Eastern Michigan Agencies Agent. |
Remember, We Are Always Looking for Referrals!
We will send you a small Thank You gift for each referral we receive.
|
