Workers' Compensation and employment question....

[macerico]

Okay, I've personalized the Public Notice Rescission Affidavit for myself.

Question 1: This looks like it can be used for everything ... Credit accounts, bank accounts, IRS, etc. (although it was made with the IRS in mind). Correct me if that is wrong.

Question 2: I'm creating a Contract of Services for my employer and I. Basically, defining myself as a Sovereign natural born free State Citizen who expends personal resources, upon request, to the enrichment of the other party (my employer). He, in turn, issues REIMBURSEMENT to me redeemable for FRNs. I assume all responsibilities for ANY tax liabilities or responsibilities I might incurr. Problem is with Workers' Compensation. It typically is for employees, which I'm trying to not declare myself (keeping it contracted service/company serviced rather than employer/employee). Becoming an independent contractor seems to negate WC coverage. I'm suspecting (if I read it correctly) that my boss and I would have to come to agreements on how to deal with a on-job injury/accident if we change the relationship.

Any thoughts?

[weishaupt1776]

what about a liability waiver?

[macerico]

That's a possibility too. The idea is to retain ALL (sic) BENEFITS that I get working for him....right now, that's just the fact that I get two weeks off (paid) and a very liberal leave policy....mostly due to my low pay ($295/week). Workers' Comp coverage is really not needed, but it's one of those "you never know" issues.

My boss might elect to simply assume responsibility to pay for injuries/illnesses that would normally be covered by Worker's Compensation, but that could be messy IF something bad was to happen. Since I ride a motorcycle to work, I'd think he'd bet on something else posing a risk rather than something at work happening.

On a side note, if I was to change to a much better job with an employer that would accept my position on things, I'd like to know how to get all the "benefits" of the arrangements without compromising my position. Since group health plans and such often require you to be an "employee" of the company, it can be confusing unless you know how to nail all the issues down.

Being an "independent contractor" offering services is easier, but has it's own issues.

Coverage under wk comp in my state is not governed by any agreement that the worker is an "independent contractor". Coverage is governed by the type of work being performed. In my state, manual labor is generally covered by wk comp. Your states laws on wk comp coverage may be different. However you are corect to be concerned because any time you move outside the normal employer/employee relationship your status can be called into question. One solution is to be covered by health insurance and disability insurance if you can afford them. These cover essentially the same items as wk comp. Many employers offer extremely cheap disability insurance. Also, if you have a house loan or car loan you could get credit insurance that would pay the notes as long as you are unable to work. now Dave Ramsey(radio financial expert) would probably say that credit insurance is not a good value. But if you can't afford disability insurance then credit insurance is a good thing.