How and when does our insurance coverage respond during the COVID-19 pandemic?

Following are common coverage questions the Trust has received from members. Every situation has different facts and must be evaluated individually. 如果你认为你有权利, 请将它提交给明尼苏达城市保险信托联盟,以便宝盈APP下载确定是否适用. Keep in mind, these guidelines only apply to organizations that are covered by the Trust. If you obtain coverage elsewhere, consult with your carrier.

Q1.What is the state law that provides a presumption for COVID-19 workers’ compensation claims? Which employees are covered by it, and what coverage is provided under the presumption? (2022年3月14日更新)

Q2. How will the Trust determine the date of injury for a COVID-19 presumption claim?

Q3. 如果一个员工,除了那些列在 回答1 above,感染COVID-19? 他们是否有权享有COVID-19推定? (2020年4月21日更新)

Q4. If our city enlists the help of other types of volunteers to assist with a COVID-19 emergency, are they covered if they are injured or contract COVID-19 while working?

Q5. 如果是雇员或应急志愿者, 包括COVID-19推定所涵盖的人员(见问题1), 是否真的感染了COVID-19, 但只接触到COVID-19, 有工人补偿保险吗? (2022年3月14日更新)

Q6. 根据工人赔偿法,接受COVID-19索赔可获得哪些福利?

Q7. Should we be tracking furloughed employees for workers’ compensation purposes? (2020年5月29日添加)

Q8. 如果一个城市 自愿或非自愿 由于COVID-19关闭了一座城市大楼,信托基金是否为收入损失提供保险?

Q9. 如果一个城市 incurs costs to remediate COVID-19 that’s been detected in a city building, 有保险吗?? (11月更新. 16, 2020)

Q10. 是否包括与城市建筑物或车辆的主动卫生相关的费用?

Q11. 如果一个城市 is forced to cancel an event, is there coverage for lost expenses or revenue?

Q12. 如果一个城市 enlists the help of volunteers to assist with a COVID-19 emergency, 如果他们被起诉,他们会得到赔偿吗?

Q13. What if a city incurs costs related to COVID-19 that it can’t afford?

Q14. 如果有人在城市设施内或参加城市项目时感染了COVID-19,城市是否要承担责任? (2020年4月24日添加)

Q15. If the city gets sued related to the alleged transmission of COVID-19, 信托会保卫城市并赔偿损失吗? (更新1月. 19, 2021)

Q16. 如果员工接触了COVID-19(因此可能被隔离),是否应提交第一份受伤报告?, 但实际上并没有感染COVID-19? (11月更新. 16, 2020)

Q1. 为COVID-19工人索赔提供推定的新州法律是什么? Which employees are covered by it, and what coverage is provided under the presumption?

A1. 2020年4月8日至12月8日发生的受伤. 2021年2月31日或2月31日. 2022年4月至1月. 13, 2023, 这一假设适用于从事以下特定职业之一的雇员和志愿者:

  • 持牌和平人员.
  • 消防队员.
  • 护理人员.
  • 护士或卫生保健工作者, 惩教官, or security counselors employed by the state or a political subdivision at a corrections, 拘留, 或安全的治疗设施.
  • 急救医疗技师.
  • 卫生保健提供者, 护士, 或者在医疗机构工作的辅助人员, 家庭护理, 或长期护理环境, “with direct COVID-19 patient care or ancillary work in COVID-19 patient units.”
  • 根据此前发布的行政命令,工作人员需要向急救人员和卫生保健工作者提供儿童护理.

在推定期间,从事上述职业之一的雇员或志愿者感染了COVID-19, 他们可能负担得起 工人补偿福利. (见 问题5 宝盈APP下载信息 about contracting versus being exposed to COVID-19.) 只有当雇主能够证明工作"不是疾病的直接原因"时,福利才可予以反驳.” The COVID-19 diagnosis must be confirmed by a positive laboratory test or, 如果不能对员工进行实验室检测, “as diagnosed and documented by the employee’s licensed physician, 执业医师助理, 或持证高级执业注册护士, 根据员工的症状.”

如果在上述职业之一工作的员工或志愿者在1月20日之间感染了COVID-19. 2022年2月1日. 2022年1月3日或之后. 13, 2023, they may still be entitled to 工人补偿福利. 看到 问题3 宝盈APP下载信息.

如果索赔被怀疑,雇主(i.e.)应该提交一份 第一次受伤报告 并提交给信托基金. 作报告用途, 法律规定,所有类型的雇员和志愿者都必须获得一份证明其检测结果呈阳性的文件的书面副本,并向雇主提供一份副本. This does not have to be included with the 第一次受伤报告.

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Q2. How will the Trust determine the date of injury for a COVID-19 presumption claim?

A2. 对于感染了COVID-19的个人来说,受伤的日期是该个人由于被诊断为COVID-19而不能工作的日期, or 2) due to symptoms that were later diagnosed as COVID-19. 其中先发生的被认为是受伤的日期.

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Q3. 如果一个员工,除了那些列在 回答1,感染COVID-19? 他们是否有权享有COVID-19推定?

A3. 其他类型的雇员仍可就职业病或人身伤害提出索赔, even though they are not entitled to the COVID-19 presumption. 如果一名员工感染了COVID-19,并报告为与工作有关的接触,该市应该提交一份 第一次受伤报告 并提交给信托基金. The Trust will evaluate the claim and determine whether it’s compensable under state law.

应急志愿者和未列在回答1中的受薪随叫随到应急志愿者被视为雇员,以获得工人补偿. They are included in the city’s workers’ compensation coverage, as long as they are registered with and under the direction and control of the city. 如果这些人受伤或感染COVID-19, whether it’s while responding to a COVID-19 emergency or not, 工人补偿将作出回应. 作报告用途, 根据法律规定,所有雇员和志愿者都必须获得一份证明其检测结果呈阳性的文件的书面副本,并向雇主提供一份副本. This does not have to be included with the 第一次受伤报告.

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Q4. If our city enlists the help of other types of volunteers to assist with a COVID-19 emergency, are they covered if they are injured or contract COVID-19 while working?

A4. Other volunteers — those not considered emergency response volunteers, 比如那些志愿参加公园和娱乐项目的人, 送餐上门, 还有成人友谊项目,那些在为城市服务时受伤的人受到 志愿者事故保险 provided to all members of the Trust’s workers’ compensation program. 而好处则更为有限, some protection for city volunteers is available on a no-fault basis. 市政府应该立案 义工意外表格 并提交给信托基金.

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Q5. 如果是雇员或应急志愿者, 包括COVID-19推定所涵盖的人员(见问题1), 是否真的感染了COVID-19, 但只接触到COVID-19, 有工人补偿保险吗?

A5. Workers’ compensation only applies to injuries and diseases that arise out of work. 没有保险 曝光 根据宝盈bbin平台接入的工人赔偿法. 如果一个人被隔离是因为 曝光在美国,工人赔偿范围将不适用.

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Q6. 根据工人赔偿法,接受COVID-19索赔可获得哪些福利?

A6. 非紧急雇员、紧急雇员和紧急响应志愿者有资格参加 工人补偿福利. 所有这些人都有资格, 合理的, 以及相关的工人补偿医疗福利和赔偿福利(或损失时间福利或工资替代).

关于应急志愿者, 如果他们在为城市做志愿工作时感染了COVID-19,无法从事正常工作, 补偿福利的计算方法如下:如果志愿者只从城市获得费用报销, 赔偿津贴的基础是他们的正常工作收入或类似职位的推定全职工资中较大的一方. 如果志愿者从市政府领取工资, benefits are based on the total wage plus the volunteer’s regular employment earnings.

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Q7. Should we be tracking furloughed employees for workers’ compensation purposes?

A7. 是的, 对城市来说,跟踪是有益的,因为在COVID-19大流行期间分配给带薪休假员工的工资将被排除在所有新员工的工资审计之外, 更新, 杰出的政策, 3月1日或之后生效, 2020. Read more about tracking furloughed employees for work comp premium purposes.

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Q8. 如果一个城市 自愿或非自愿 由于COVID-19关闭了一座城市大楼,信托基金是否为收入损失提供保险?

A8. “Loss of revenue” coverage is not available when a city building is 关闭d for this reason. 这种类型的保险只适用于由于所保财产的直接物理损失或损坏而造成必要的业务中断的情况.

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Q9. 如果一个城市 incurs costs to remediate COVID-19 that’s been detected in a city building, 有保险吗??

A9. 是的,可能. 其中包括为防止疫情蔓延所必需的有机病原体清除费用, 疫情, or pandemic as long as it is either: 1) a disease for which federal isolation and quarantine is authorized by an executive order of the president; or 2) defined by the U.S. 卫生与公众服务部认为是一种具有重大公共卫生意义的传染病. Since federal isolation and quarantine for COVID-19 is authorized by an executive order, 如果在覆盖的财产内或其上检测到, there may be coverage available for your expenses to clean up, 减弱, 或者把它从覆盖的财产中移走.  This coverage is only applicable for policies renewing prior to Nov. 15, 2020.

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Q10. 是否包括与城市建筑物或车辆的主动卫生相关的费用?

A10. The Trust does not provide reimbursement for these kinds of expenses.

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Q11. 如果一个城市 is forced to cancel an event, is there coverage for lost expenses or revenue?

A11. 信托基金不提供活动取消保险, but insurance may be available through another insurance provider. This coverage usually needs to be purchased well in advance of the event.

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Q12. 如果一个城市 enlists the help of volunteers to assist with a COVID-19 emergency, 如果他们被起诉,他们会得到赔偿吗?

A12. 只要志愿者代表城市行事,并受城市的指导和控制,他们就属于城市责任保险范围内的参与方.

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Q13. What if a city incurs costs related to COVID-19 that it can’t afford?

A13. 信托基金为无法预料的意外事件提供特别的费用保障, 为保护公众健康和安全或履行法律义务所必需的,但不在其他范围内. 预支的款项必须在五年内归还. 对于这种覆盖率有指导方针和限制. 详情请与宝盈APP下载联系.

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Q14. 如果有人在城市设施内或参加城市项目时感染了COVID-19,城市是否要承担责任?

A14. 这是有可能的, 但是不太可能, given other potential sources of infection associated with the community spread of COVID-19. 如果市政府不能免除责任, an injured person would need to prove the city’s negligence caused the injury. 作为一个实际的问题, it would probably be difficult for the person to prove where he or she contracted the virus. 但即使这个人可以证明病毒是在城市设施或参加城市项目时感染的, 这并不意味着市政府有责任. 对过失索赔进行抗辩, 该城市可以展示其为保障设施安全和防止COVID-19传播所采取的措施. The city should document in writing the actions it has taken. 最终, 如果遵循州和联邦官员的指导,对一个城市承担责任的风险相对较低.

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Q15. If the city gets sued related to the alleged transmission of COVID-19, 信托会保卫城市并赔偿损失吗?

A15. 是的. The Trust provides coverage for claims resulting from organic pathogens. 根据该市有限的污染责任索赔承保范围,COVID-19等病毒被视为有机病原体. 然而, 有一个年度总金额(在一年的政策期间,信托将代表城市支付的最高金额)适用于该保险范围内的索赔. 11月11日之前的续订. 2020年15日,年度总限额为300万美元. 如在11月11日或之后续订. 2020年15日,年度总限额为25万美元. 国防费用包括在限额之内. Bodily injury and personal injury damages arising out of the city’s ownership, 操作, 或维持医疗, 养老院, 有执照的日托设施不包括在内.

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Q16. 如果员工接触了COVID-19(因此可能被隔离),是否应提交第一份受伤报告?, 但实际上并没有感染COVID-19?

A16. No, a 第一次受伤报告 should only be filed if there is a confirmed COVID-19 diagnosis. Exposure to COVID-19 is not covered under workers’ compensation. There must be a confirmed COVID-19 diagnosis for it to be considered by workers’ compensation.

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