Hurricane Florence – North Carolina Recovery Fast-Start Worker’s Comp Program

Hurricane Florence Recovery Could Take Years – North Carolina Worker’s Comp Insurance & FEMA Compliance Fast Start Program

Reconstruction costs  for North Carolina are now expected to be billions of dollars. There is a huge need for contractors and roofers to get to work. In North Carolina, however, you must have your regulatory ducks in a row or it can costs you everything!

You cannot work in North Carolina to help in the hurricane recovery or any other time with worker’s comp insurance!

An employer is not relieved of its liability under the Act by calling its employees “independent contractors.” Even if the employer refers to its workers as independent contractors and issues a Form 1099 for tax purposes, the Industrial Commission may still find that the workers were in fact employees based upon its analysis of several factors, including but not limited to the degree of control exercised by the employer over the details of the work.

North Carolina  investigators conduct routine job-site inspections to ensure Employer compliance with the Workers’ Compensation law. When an Employer is operating without the required coverage, civil enforcement action is taken. This most often results in the issuance of a Stop-Work Order, requiring that the business cease all operations until it complies with the law and pays a penalty.

The penalty is equal to 2 times the amount the employer would have paid in manual premium within the preceding two year period.

A Stop-Work Order may also be issued if an employer is not in compliance!

Federal emergency officials say they’re bracing to help with recovery efforts in North Carolina  and other states hard hit by Hurricane Florence for years to come. With billions of dollars in damages, there are many opportunities for contractors to help with the recovery. Hybrid Financial Group has a Fast-Start Program that can get you up and tuning immediately so you can get the contracts and get to work!

Working with a company like Hybrid Financial can help your company get a fast-start in meeting FEMA regulations and securing worker’s compensation insurance immediately. Call today 888-982-3334. Have your crews working as soon as tomorrow!

Hybrid Financial has a quick and easy program to get you up and running almost immediately so you can determine your hard costs, get employees on the job, and get to work while being fully compliant with all state and federal laws. This is a pay-as-you-go program so the startup costs are minimal.

Need Workers? Call Now – 888-982-3334

Hybrid Financial Group also has a Fast-Start Workers Program that can supply fully compliant employees at a set rate so that you know your exact hard costs so you can spend your time generating contracts and let us staff the workers at a set cost.

Offering the most affordable and easy to set-up roofers works comp insurance available:

  • Quick Underwriting
  • No Long-term Contracts
  • No Termination Fees
  • Pay-As-You Go Worker’s Comp

Get Connected online or  Call now! 888-982-3334

Hurricane Harvey Recovery Could Take Years – Texas Roofer Insurance & FEMA Compliance

WASHINGTON — Federal emergency officials said Sunday they’re bracing to help with recovery efforts in Texas and other states hard hit by Hurricane Harvey for years to come. With $100,000 billion damages, there are many opportunities for contractors to help with the recovery

Working with a company like Hybrid Financial can hep your company get a fast-start in meeting FEMA regulations and securing worker’s compensation insurance immediately. Call today 888-982-3334. Have your crews working as soon as tomorrow!

“This disaster is going to be a landmark event,” Federal Emergency Management Agency chief Brock Long said on CNN Sunday. “We’re setting up and gearing up for the next couple of years.’’

 As Harvey continues to slam Texas and head toward Louisiana, federal officials say they’re partnering with local and state officials to help residents facing severe flooding.  At least two people were killed by Sunday.

President Trump said early Sunday that he will visit to Texas as soon as he can make the trip without causing disruption. “The focus must be on life and safety,” he tweeted. The White House later said he plans to visit the state Tuesday.

He also tweeted that would to participate in a teleconference on Harvey with his cabinet. “Even experts have said they’ve never seen one like this!,” he tweeted.

Later Sunday the White House released a summary of the conference call, saying Trump “continued to stress his expectation that all departments and agencies stay fully committed to supporting the Governors of Texas and Louisiana and his number one priority of saving lives.”

Hurricane Harvey has devastated parts of Texas. A birds-eye view of the damage shows the full impact of the storm. USA TODAY

Federal officials warn the danger is far from over. White House Homeland Security and Counter-terrorism adviser Tom Bossert said rain is expected to continue upward of 30 inches.

“Let’s not lose our focus on how bad this still is,’’ he said on CBS Face the NationSunday.

Bossert said officials are watching for more flooding inland and providing help for residents, including rescues.

“We’re going to posture ourselves for the long-term care of the medical needy, of the elderly, of the weak and then we’ll put ourselves in the position to provide the resources to rebuild and recover,” he said.

Local officials said they’re particularly concerned about catastrophic flooding.

Texas Gov. Greg Abbott, a Republican, declared a state of emergency for 50 counties and Louisiana Gov. John Bel Edwards, a Democrat, issued a statewide declaration.

Hurricane Harvey Recovery – What Texas Roofers Need To Know About Worker’s Comp

Hurricane Harvey Roofing Texas Worker’s Comp Quick-Start

roofers in Florida

In the wake of Hurricane Harvey there is an immediate  need for contractors and roofers to get set up too work in Texas for repairs. This program can help out-of-state companies and contractors get to work immediatley!

Hybrid Financial has a quick and easy program to get you up and running almost immediately so you can determine your hard costs,  get employees on the job and get to work and be full compliant with all state and federal laws. This is a pay-as-you-go program so the startup costs are minimal.

Call now! 888-982-3334

What You need To Know About Roofing Worker’s Comp In Texas

Workers’ compensation is a necessary expense for Texas businesses that want to transfer the risk of injury to an in surname carrier.

Class code 5551 is used for employees that perform all kinds of roofing installations and roofing repair jobs, including drivers. Because this is an all-inclusive classification, roofing work may be done on any surface, including flat, built-up, or sloped roofs.

roofers workers comp

How can a company get Worker’s comp insurance quickly in order two help with the recovery from Hurricane Harvey?

Hybrid Financial’s roofing insurance program is designed to meet the needs of both small and large roofers. For smaller sized companies, their roofing comp  program is perfect for those who have demonstrated a commitment to loss control. Larger roofers benefit from the unique underwriting expertise, risk management services and carrier solutions.  Hybrid’s programs meet private and government regulations and are A-rated.

Offering the most affordable and easy to set-up roofers works comp insurance available in your state.

  • Quick Underwriting
  • No Long-term Contracts
  • No Termination Fees
  • Pay-As-You Go Worker’s Comp

Get Connected online or  Call now! 888-982-3334

Hurricane Harvey Recovery Response Form – Roofing Crews

Governor Cuomo Announces Statewide Task Force to Combat Heroin and Prescription Opioid Crisis

Albany, NY – Governor Andrew M. Cuomo recently announced that new health insurance reforms aimed at combatting New York State’s heroin and opioid crisis went into effect January 1, 2017. These reforms were part of the landmark legislative package that the Governor signed earlier this year. Health insurance plans will now be required to cover treatment services provided to New Yorkers suffering from opioid addiction, increase access to treatment, expand community prevention strategies, and limit the over-prescription of opioids in New York.

“With these landmark reforms fully enacted, we have removed artificial barriers that prevented New Yorkers from receiving the help they need and put into place new safeguards to get these drugs off the street,” Governor Cuomo said. “As families and communities across the nation grapple with the devastating effects of this heroin and opioid crisis, New York is leading the fight to stamp out this disease once and for all.”

The legislative package included several best practices and recommendations identified by the Governor’s Heroin and Opioid Task Force, and builds on New York’s aggressive efforts to break the cycle of heroin and opioid addiction. These new insurance-related protections are the final components of the package to take effect and include four measures to remove burdensome access barriers for inpatient treatment and medication.

These measures:

  • End Prior Insurance Authorization to Allow for Immediate Access to Inpatient Treatment as Long as Such Treatment is Needed: Insurers must cover necessary inpatient services for the treatment of substance use disorders for as long as an individual needs them. In addition, the legislation establishes that utilization review by insurers can begin only after the first 14 days of treatment, ensuring that every patient receives at least two weeks of uninterrupted care before the insurance company becomes involved.
  • End Prior Insurance Authorization to Allow for Greater Access to Drug Treatment Medications: Insurers cannot require prior approval for emergency supplies of drug treatment medications. Similar provisions that also apply to managed care providers treating Medicaid recipients who seek access to buprenorphine and injectable naltrexone took effect in June.
  • Require All Insurance Companies Use Objective State-Approved Criteria to Determine the Level of Care for Individuals Suffering from Substance Abuse: All insurers operating in New York State must use objective, state-approved criteria when making coverage determinations for all substance use disorder treatment in order to make sure individuals get the treatment they need.
  • Mandate Insurance Coverage for Opioid Overdose-Reversal Medication: Insurance companies must cover the costs of naloxone when prescribed to a person who is addicted to opioids and to his/her family member/s on the same insurance plan.

The new insurance coverage requirements apply to small group and large group plans regulated by the Department of Financial Services that are issued or renewed beginning January 1, as well as plans sold to individual consumers.

Department of Financial Services Superintendent Maria T. Vullo said, “The Department of Financial Services will make certain all New Yorkers who need treatment services called for under these groundbreaking reforms have access to the insurance coverage they are now entitled to receive.”

New York State Office of Alcoholism and Substance Abuse Services Arlene Gonzalez Sanchez said, “These new laws will save lives. They will make it possible for New Yorkers in need to get help when they seek it.”

The package’s other provisions already in effect include:

Enhancing Addiction Treatment Services

  • Increasing Evaluation for Individuals Incapacitated by Drugs from 48 to 72-Hours: Families can now seek 72-hours of emergency treatment, an increase from 48-hours, for their loved one so that they can be stabilized and connected to longer-term addiction treatment options while also balancing individual rights of the incapacitated individuals.
  • Requiring Hospitals to Provide Follow-Up Treatment Service Options to Individuals Upon Hospital Discharge: Hospital medical staff must provide discharge-planning services to connect patients who have or are at-risk for substance use disorder with nearby treatment options to provide continuous medical care.
  • Allowing More Trained Professionals to Administer Life-Saving Overdose-Reversal Medication: Trained professionals can now administer naloxone in emergency situations without risk to their professional license.
  • Expanding Wraparound Services to Support Long-Term Recovery: The wraparound program launched in 2014 to provide services is now expanded to individuals completing treatment including education and employment resources; legal services; social services; transportation assistance, childcare services; and peer support groups.

Strengthening Community Prevention Strategies

  • Reducing Prescription Limits for Opioids from 30-days to Seven Days: The limit for initial opioid prescriptions for acute pain has been reduced from 30-days to no more than a 7-day supply, with exceptions for chronic pain and other conditions.
  • Requiring Ongoing Education on Addiction & Pain Management for All Physicians and Prescribers: Health care professionals must complete three hours of education every three years on addiction, pain management, and palliative care.
  • Mandating Pharmacists Provide Easy to Understand Information on Risks Associated with Drug Addiction and Abuse: Pharmacists must provide educational materials to consumers about the risk of addiction, including information about local treatment services.
  • Requiring Data Collection on Overdoses and Prescriptions to Assist the State in Providing Additional Protections to Combat this Epidemic: The State Commissioner of Health must report county-level data on opioid overdoses and usage of overdose-reversal medication on a quarterly basis.

Source: NY DFS

Judiciary Committee To Consider Death Penalty, Workers’ Comp

Preparing for the annual legislative session, the House Judiciary Committeenext week will start weighing two high-profile issues: the death penalty and workers’ compensation insurance.

The committee next Tuesday will discuss court rulings on a series of issues, including the death-penalty sentencing system and the workers’ compensation system, according to a meeting notice posted online.

Capital punishment has been on hold for the past year in the state because of rulings by the U.S. Supreme Court and the Florida Supreme Court. Also during the past year, the Florida Supreme Court issued two rulings finding parts of the workers’ compensation insurance system unconstitutional.

Those rulings played a major role in a 14.5 percent insurance rate increase that started hitting businesses in December. Lawmakers face pressure during the session starting March 7 to address the death penalty and workers’ compensation issues.

Source: Judiciary Committee To Consider Death Penalty, Workers’ Comp | WUSF News