文档介绍：Ronald W. Cooper, CWCP President Duane M. Schroeder, CPCU Vice President 2008: An Independent Contractor Odyssey 2 Mission ready Destination: Contractor Constellation 3 Assisted by hal puter ? Computer that was the brain and nerve system of the Discovery space ship now fits into this laptop ? Because programmed by humans, HAL is not perfect HAL can you read me? HAL? Thank you HAL, but it ’ s morning and Dave ’ s not here. 4 The goal of pensation programs is to provide prompt, adequate benefits to injured workers while at the same time limiting employers ’ liabilities . pensation has e a ponent of the . social insurance system and a significant element of the overall cost of employment. WC Theory - trade risk for certainty Open the next slide please, HAL 5 WC Theory - trade risk for certainty ? Employer ? No fault ? Not sued ? Employee ? No fault (some exceptions) ? Money ? Medical care & rehab 5 6 Problem Employers may try to evade the system by calling their employees independent contractors. 7 First independent contractor ? Contractor supplied his own (first) tools. ? No employer/employee relationships were yet established. ? All workers were part of family economic unit. 8 ? Employers assumption of financial responsibility for all work-related injuries Conflicting Goals ? Self-employed persons ’ freedom to make a living vs. HAL, what ’ s your take on the confliction? Are you OK HAL? I ’ m a bit concerned. 9 consequences ? Creates an uneven playing field for those who follow the law ? Undue burden for the true independent contractor to please others ’ insurance requirements ? Contentious premium audits and related dispute resolution proceedings ? Reduced credibility of the ratemaking database 10 Employee Definition ?"Employee means every person, including a minor, in the service of another, under any contract of hire or apprenticeship, written or implied, except one whose employment is both casual and not in the usual course o