Workers Compensation Coverage for International Workers
Peter Guinther, HR Administrator, for BIC US World Missions reached out with a question that he gave me permission to push out via the Forum to get input from other MASP members who have international workers. Peter noted the following:
"BIC U.S. World Missions is considering switching our Workers Compensation coverage for our international missionaries from the Hartford to Brotherhood Mutual. The coverage seems to be very expensive for very little practical use, other than keeping legally compliant."
If you're willing to share, I know Peter (and I'm assuming others, too,) would be interested in learning what other Member organizations are doing to provide Workers Compensation coverage for their international missionaries. If you're open to sharing what your organization does or you have additional comments or questions related to this topic, please share via a comment to this post. Thanks!
Thank you Conrad for sharing your response. Your thoughts are very much in line with ours, especially since Workers' Compensation policies tend to only compensate at a rate of 2/3rds of lost wages, which would make a missionary's compensation fairly small if they go on WC, because they are already living a simple lifestyle with needs based compensation. My greatest hesitancy to going this direction is whether this meets the legal PA and federal requirements for WC coverage.