PM&R Consults on an Independant Contractor basis-- Questions...

[kindredspirit]

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I have a quick question-- if anyone might be able to answer, from experience...

I am currently working in a situation where I am working as an "Independant Contractor" in a non-Physician's practice where there are PT's, Nutritionist etc. I am doing general, outpatient, musculoskeletal medicine, basic joint injections, EMG's etc. -- this is a non-traditional locum tenems position, for 3 months-- I'm covering for a Sports Medicine FP doc that is on medical leave. The contract asks the Independant Contractor (ME) to supply their own Worker's Comp insurance. I am in the State of California. Does anyone have experience with this? Is this customary when working as an Independant Contractor-- I know some of my collegues here have worked as IC doing mobile EMG/NCS -- did you need to have such coverage? Maybe my own personal medical insurance would cover this?

Any advise would be helpful.

Thanks

 

[Jitter Bug]

I figure most working class folk like work comp because it covers services better than the medical insurance policy they already have (like PT without copays, ER visits without copays, Rx without copays etc). And the option of a legal avenue to get compensated for lost wages or permanent injury. It ain't much $ in the long run.

I am an independent contractor and have a small side business. I didn't bother with work comp because if I trip over my EMG machine I will just use my medical insurance to pay for my medical care.

And of course if I am seriously or permanently injured, I have a good own-occ long term disability policy.

My 2 cents, curious what others have done.

 

[RUOkie]

"business owner" work comp policies cost almost nothing. The difference between our premium for my office with me included is $5/yr more than if I excluded myself.

ymmv