BRAIN WORK WORKERS’ COMP CORNER State Requires Workers’ Comp Coverage
PUMPKIN GRILLED CHEESE PANINIS
Ingredients
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2 slices ciabatta bread
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2 tbsp pumpkin butter
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1/2 slice or 1/8 cup shredded sharp cheddar cheese (I recommend Cabot’s Seriously Sharp Cheese) 1/2 slice or 1/8 cup shredded extra sharp cheddar cheese (I recommend Cabot’s Extra Sharp Cheese)
There are cases in which an employer doesn’t have workers compensation insurance coverage. Would it be a dead end? Would you be able to file a workers’ comp claim? Of course you would! Nevada law requires all employers to have workers’ compensation insurance coverage as well as having a workers’ compensation informational poster displayed in a public area (a break room, for example). In the case that the employer does not have the insurance coverage, a claim can still be filed. To do this, when completing a C-4 form with the medical provider during the initial treatment, let the provider know that the employer may not have workers’ compensation coverage. Visit the Division of Industrial Relations (DIR) website for forms to apply to receive workers’ compensation benefits under the Uninsured Employers’ Claim Account. The DIR will investigate and decide if the injured employee should have been insured. Once accepted, the DIR will assign the claim to a third-party administrator who will handle
the claim as if it were an insured claim. (These claims take longer to get accepted, so to avoid delays in benefit checks and medical care, it is important to get the paperwork done as soon as possible at the DIR.) As for the employer, they face penalties such as an administrative fine up to $15,000 for not having workers’ compensation insurance coverage. Penalties may also include business closure until insurance is obtained, and the business may be held financially responsible for all costs arising from the work-related injury and may be subject to a criminal penalty. If you don’t see a workers’ compensation informational poster at your place of employment, you can verify your employer’s workers’ compensation coverage with the Coverage Verification Service at the DIR’s website — DIR.NV.gov/wcs/home . You can also find a listing of self-insured employers through DOI.State.NV.us.
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3 leaves arugula
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4 apple slices, cut very thin
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2 strips bacon, cooked crisp
Directions
1. Spread pumpkin butter on both slices of bread. Place cheeses on each slice, then place arugula on one slice. Place apple slices and bacon on other slice. 2. Carefully put both halves of sandwich together. 3. On a panini maker, grill, or frying pan, toast
sandwich for about 5 minutes, or until cheese is melted. Serve immediately.
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