Workers’ Compensation benefits cover an injured worker’s medical care and loss of earnings associated with an injury sustained on the job. They also cover rehabilitation costs for severe disabilities and survivor benefits for family members.2
The government considers your ministers to be “self-employed” for tax purposes, but they are considered employees by most state industrial commissions. As a result, they are subject to the laws and benefits of the Workers’ Compensation Act. These benefits are set by state law, not your insurance company, and vary from state to state.
Make sure your employees are protected.
- Are you required to purchase Workers’ Compensation coverage for your part-time ministers?
- What would happen if they were injured at the church? What if one of your cleaning crew hurts his back? How much will it cost you?
One of your most valuable assets is your employees. If one of them is injured while on the job, you want to make sure he or she will receive the benefits that he or she deserves. Ask your GuideStone agent how you can ensure your employees are covered.
1Insurance Information Institute.
2Subject to your state’s rules and regulations.