On the books to work not?

[NLW]

Oh good. It was this quote that confused me -

You may find that buying an individual policy is cheaper than providing family coverage on your group policy AND paying workers compensation that you don't need.

But in saying this, you mean that if they aren't employees, don't make them employees for the purposes of health and insurance and then have to pay for both...

 

[RichLabl]

My wife and daughter likely have workers comp with their other jobs. It’s health insurance they are not offered. I pay 100% of all the premiums so that if they need to see a doctor they can. They are my family. When my daughter turned 23 she was dropped by the insurance company from the family plan even though still in school for her masters.

NLW… Would my wife qualify as a 20 hr a week domestic employee? (I’m not going to be the one to tell her.) Is domestic work “providing services integral to the business”? Even with a home office is it a stretch?

 

[cbg]

It doesn't matter if there is workers comp on the other jobs. Workers comp is available for use ONLY if there is a work injury for THAT JOB. If she has an injury on Job A, Job B's workers comp isn't going to pay for it. That's why ALL jobs have to provide workers comp.

Unless she is ACTUALLy performing 20 hours of domestic service FOR YOUR COMPANY then no, she would not qualify as such. Now you're getting back into fraud.

Look, either actually hire them as employees, give the actual duties to perform, give them a paycheck, and pay the workers comp premiums, or forget about covering them on the health insurance provided by your company. Those are your options. Anything else is fraud. Got it?

 

[RichLabl]

Got it. Thank you again for your suggestions and help.

 

[NLW]

cbg is right. And to add to that and answer your question to me, domestic service is considered to be like a maid, nanny, or servant in your home.