Posted by JDseller on February 20, 2011 at 19:23:48 from (208.126.196.144):
In Reply to: O/T Workers Comp. ins. posted by 37 Chief on February 19, 2011 at 23:07:13:
If you hire any one you need Workman"s comp. If that person running that weed eater is hurt they will be covered by Workman"s comp. If you don"t have a policy than you are liable for the full amount.
This happened to my Brother-in-law. He lives in Ohio. He had worked real hard and had a 250 acre farm paid for. He was raising tobacco and cattle. Making a good income. He hire a young local man to help mow hay. He was using a IH 504 gas tractor. The young man filled the gas tank from my BIL"s under ground tank at lunch. Then he went back to mowing hay after lunch. The gas expanded and boiled over out the filler cap on the gas tank. As soon as it hit the ignition system it lit on fire. You remember how you set down and in on those old IH utility tractor. That young man was covered with burning gas. He was burnt real bad over 80 percent of his body. He was luck that he was by a pond and he ran into the water. A passer by saw it happen and went and got the life squad for him. He lived, He under went years of treatment and is still very limited in what he can do.
My BIL did not have worker"s comp. The state paid all of the bills including permanent disability for the young man. My BIL was/is liable for 2.2 million dollars of health care and disability payments. He had to sell everything he had. He still pays a percentage of any wages he gets to the state. PLUS this debt can not be written off during any bankruptcy proceedings.
What did he save. The state minim premium at that time was $150 per year on a farm. Then it was 13 percent of wage after that. So he saved a few hundred bucks to become 2.2 million dollar in debt.
I have a policy now and I always have had. It does not cost me much over five hundred dollars each year.
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Today's Featured Article - A Cautionary Tale - by Ian Minshull. In the early 1950s my father bought an Allis Chalmers B and I used it for all the row crop work with the mangolds and potatoes, rolling and the haymaking on our farm. The farm and the Allis were sold and I have spent a lifetime working on farms throughout the country. I promised myself that one day I would own an Allis. That time event
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