Coye Law - Worker's Comp - November 2019

The Greatest American War Horse The Legend of Sergeant Reckless

daredevil attitude of the soldiers who used them. Reckless was pivotal for her regiment in more ways than one. As Robin Hutton notes in her book “Sgt. Reckless: America’s War Horse,” "Because horses are 'herd' animals, the Marines became her herd. She bonded so deeply with them that Reckless would go anywhere and do anything to help her adopted family." Sergeant Reckless’ greatest achievement occurred during the final stages of the Battle for Outpost Vegas. During the bloody five- day campaign, Reckless made 51 trips to resupply guns over the course of a single day. By the end of the battle, she had carried 386 rounds of ammunition by walking 35 miles through rice paddies and mountain trails. After dropping off the ammunition, Reckless would then bring wounded soldiers back to safety. Reckless was trained to lie down when under fire and avoid barbed wire, and her ability to do so without needing human command saved many lives during the battle. Reckless would close out her war career with two Purple Hearts and the rank of staff sergeant. She spent the rest of her years at Camp Pendleton in California. To learn more about this legendary mare, be sure to check out "Sgt. Reckless: America's War Horse” by Robin Hutton.

Animals have acted as companions to humankind for thousands of years. They’re a near-constant source of companionship, comfort, and aid. Unfortunately, military animals don’t often get the recognition they deserve. One horse, in particular, was essential to the success of her regiment during the Korean War. Meet Sergeant Reckless. Bought for $250 in 1952 by a U.S. Marine Corps lieutenant at a Seoul racetrack, Sergeant Reckless was trained to carry ammunition for the 5th Marine Regiment. Her name was a play on the “recoilless” rifle ammunition she carried and a nod to the

The Perils of Independent Contractors Navigating a New Type of Employee According to the U.S. Department of Labor, roughly 1 in 10

you’re an employee of a company and you’re injured at work, you can file a claim with your employer’s workers’ comp insurance company. If you’re an independent contractor — even if your work and the nature of your injury is the exact same as that of an employee — you won’t be covered.

American workers is classified as an independent contractor. These contractors include the person delivering your dinner through Uber Eats, professional UFC cage fighters, freelance graphic designers, and highly compensated coders at companies like Google.

As such, it’s crucial that you add workers’ compensation insurance to your package of coverages. Nobody wants to get injured at work, but if the worst happens, you don’t want the stress of an injury compounded by mounting medical bills and an uncertain employment future. The state is already making strides to ensure independent contractors are better classified, passing a law that bars construction companies from labeling workers as contractors to avoid providing insurance. But in most other industries, the onus is on the worker to understand whether they have coverage.

While debating what the widespread growth of these arrangements says about the eroding nature of workers’ rights in this country is a topic too large and messy for this newsletter, everyone who is an independent contractor needs to know how it affects them practically. Not only does employment status affect taxes; it also has ramifications on insurance, in ways both obvious and subtle.

If you’re a contractor, you probably already know you have to pay for your own health insurance. What you may be unaware of, though, is that you’re also likely without workers’ compensation coverage that’s guaranteed to regular employees in the state. If

Whether you’re an independent contractor or any other type of worker, you can count on Coye Law if you’ve been injured on the job. Call us at 407-901-2712 to find out more about how we can help.

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