保险服务

A PPO (preferred provider organization) plan is based on a “preferred” network of providers in the subscriber’s area. A primary care physician is not required, and referrals are not necessary to see a specialist. The subscriber’s responsibility for bills depends on the network status and the plan structure. A PPO allows subscribers to visit out-of-state providers who are considered in-network.

An 促红细胞生成素 (exclusive provider organization) plan combines features of an HMO and a PPO. 与PPO类似，看专家不需要转诊. 和, 像一个组织, the subscriber is responsible for paying out-of-pocket costs if seeking care from a doctor outside the plan's network.

A POS (point of service) plan also combines features of HMO and PPO plans. 就像HMO一样，订户需要一个专家的推荐. 和, 像一个PPO, subscribers pay less for visits to providers in the plan’s network and have access to out-of-network providers at a higher cost.

豁免包括:

个体户, partners and members of limited liability companies (though their employees must be covered)
雇主的未成年子女
政府、铁路、海事或农场工人
Ministers, priests, rabbis, imams, sextons, Christian Science readers or members of religious orders
View a full list of coverage requirements on the 工人赔偿委员会 website.

Members of the Retail Council are offered some of the lowest quarterly-billed rates available on statutory disability insurance through our program. 更多信息或免费报价，请致电(518)465-3586. Employers can also obtain DBL insurance from the New York State Insurance Fund or from private carriers. 他们也可以申请自保 工人赔偿委员会.

Employers may pay the entire DBL insurance premium or choose to share the cost with the employee. 纽约州法律允许雇主扣除0.雇员工资的5%，最高不超过$.60 per week, to offset the cost of providing disability benefits insurance.

现金福利是申领人平均周薪的50%, 但不能超过最大限额, 目前每周170美元. 好处 are paid for a maximum of 26 weeks of disability during 52 consecutive weeks. 连续第八天开始领取救济金.

是的. The disabled employee (claimant) must submit himself/herself to regular exams by the employer’s designated physician, 如雇主要求, 否则员工可能会危及自己的利益. 然而, the exams must be at reasonable times and cannot be more than once a week; the employee is not responsible for payment of the exam.

残疾七天以上的工人, an employer must supply him/her with a Statement of Rights under the 残疾 好处 Law (db - 271). The form must be submitted within five days of learning the employee is disabled.

Cyber liability insurance protects businesses against computer-related crimes and losses and is designed to cover breach, 网络敲诈勒索, 网络犯罪, 业务中断和数据恢复.  如果你的公司接受信用卡或其他数字支付, 保存医疗或财务数据, uses computers or mobile devices and/or stores confidential customer information, 你需要网络责任险.

Voluntary supplemental insurance plans help employees pay for unexpected costs not covered by medical insurance. Insurance options include accident, cancer, critical illness and hospital indemnity. 雇主可以为雇员提供自愿福利, 无论医疗保险状况如何, 对雇主没有直接成本. 员工直接获得现金福利, 根据所涵盖的疾病, 受伤, 治疗和服务.

Depending on the plan, an employer might need a minimum of just three to five employees to qualify.