When employees get injured at work, many times they wonder whether it is required that they use up any Family and Medical Act Leave while they are recovering. The allowances of FMLA are for 12 weeks of job-protected but unpaid leave each year with continued health insurance coverage. It is expressly to be used for medical and family reasons. However, serious work injuries could qualify for both worker’s compensation and FMLA coverage.
In some cases, you can concurrent protection using workers comp and FMLA. Your workers’ comp leave could be counted toward any FMLA entitlement, but this occurs when the employer notifies a seriously injured or ill employee in writing that this overlap will take place. Whenever this overlap occurs, benefits from the workers’ comp plan will still payout but the time is counted against their 12 weeks of yearly leave. Employers are required to provide leave based on the greater benefits between the two programs.
Employers that carry workers’ comp insurance don’t generally require their employees to file FMLA when the employee has been injured at work. In truth, employers are not legally allowed to force an employee to use FMLA for an absence of work instead of paying out the benefits. State laws do vary on what the requirements for carrying workers compare.
The Protection of Flood Insurance
Damage to your home can come from many different methods, including floodwater. However, that doesn’t mean flooding is covered by traditional homeowner’s insurance, which means you should also have flood insurance. But, “Does flood insurance cover hurricanes?” As a matter of fact, yes, it does.
Flood Insurance Coverage
As a separate entity from homeowner’s insurance, flood insurance can be an added benefit to your policy if you live in flood zone areas. As little as one inch of standing water in your home can cause serious damage, but flood insurance can save your home and your finances while putting your mind at ease. Some people assume flood insurance is only for rainfall, but the truth is that it also covers hurricanes and the damage left behind. That is why it is so important for people who live in hurricane-prone areas to be properly prepared with the right insurance. Some areas of your home that are covered by flood insurance include the following:
Stay Safe When Waters Rise
So, does flood insurance cover hurricanes? Yes, it does. If you live in a high-risk area, you can be prepared for the worst by choosing flood insurance. That way, you can be ready to handle the damage if flood waters reach your home during hurricane season.