insurance, Schaumburg employment law attorneysPotential hazards and health risks are everywhere, even in industries that are seemingly safe. As a small business owner, you must protect your employees from dangers and unsafe environments. If an employee is injured, there are multiple insurance options available to them recover. Many new business owners have questions about which coverages are mandated by Illinois employment law.

Health Insurance Coverage

Employers pay hefty costs to offer health insurance, but is it necessary? Deductibles and premiums are higher than workers’ compensation insurance, but health insurance does cover a wide variety of injuries and illnesses, including those that did not occur at work.

Health insurance benefits are not required but can be an added perk to your employees. If you have a small business of fewer than ten employees, discuss the options with your employees. Some people would instead choose their own insurance rather than have the “cookie cutter” plan offered by group benefits, and they may be able to find a better price than is being provided by the group policy.

However, as a business owner, it is a good idea to shop around for group policies, because discounts are available. If you can get a good deal, it is a benefit that could keep a qualified employee satisfied and working for your company longer.

Workers’ Compensation Explained

Workers’ compensation is an insurance that offers both wage replacement and medical benefits to employees that are injured or become ill while at work. Unlike traditional health insurance, employees need not worry about covering the deductible; the insurance company sends the bill to the employer. Employers benefit from having this coverage because if an employee files a claim, they generally agree to relinquish their rights to sue their company for damages.

Illinois requires all employers, and business entities offer workers’ compensation coverage, even if they opted to purchase a healthcare plan. The only positions that Illinois excuse from the workers’ compensation insurance requirements include:

  • Sole proprietors (you do not have any employees);
  • Business partners;
  • Corporate officers;
  • Members of a limited liability company;
  • Family members that live with the business owner.

Retain the Assistance of an Illinois Small Business Attorney

If you have a small business, you should have a Schaumberg small business attorney available to answer your questions at all times. Insurance, wage, and other regulation violations are costly and damaging to the reputation of any business, diminishing the potential for success. Miller Law Firm, P.C. can help you establish your business, offer sound advice with regards to requirements, and defend your interests in employee litigation. Contact our office today at 847-995-1205 for a confidential consultation.

 

Sources:

https://www.nfib.com/content/legal-compliance/legal/workers-compensation-laws-state-by-state-comparison-57181/

http://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=2430

https://www.workcompone.com/illinois

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Schaumburg minimum wage violation attorneyJuly 24, 2018 marked the ninth anniversary since the last time the federal minimum wage rate was increased, to $7.25 per hour. Federal laws explain that no state may set minimum wages at less than this amount, but they are welcome to offer more, which Illinois does. In 2010, Illinois raised the state minimum wage to $8.25 per hour. Although there is strong support for another increase, to date, the amount has remained the same. While it seems like it should be easy to pay an employee for the amount they work, there are many complexities to this process that can result in disputes between employers and employees. Common errors include the miscalculation of overtime pay, wage shortages, and violations of minimum wage requirements.

A Complex Math

Verifying that employees are paid correctly for the time worked should be simple, but violations often occur nonetheless. Often, determining the amount of time worked is not the problem; rather, it is the minor nuances that cause violations. Consider the following examples:

  • Uniforms: Who purchases, cleans, and repairs required clothing and gear?
  • Travel: What travel expenses are compensated by the employer? When does a trip fall under business purposes? Do social dinners qualify as personal time?
  • Resources: If an employee requires specialized equipment such as a chair, desk or keyboard, are those provided by their employer, or will the employee pay for them?

Avoid Mistakes With These Best Practices

Even employers with the best intentions find themselves in violation of minimum wage laws. These are the best practices many businesses use to avoid steep penalties:

  • Ensure managers and supervisors understand minimum wage laws and strictly avoid “off-the-clock” working by all employees.
  • Have a written policy for minimum wage and hour laws.
  • Frequently review policies for tracking time, taking breaks, and overtime pay.
  • Set standard protocols for everyday expenses such as uniforms, travel pay, and exceptional resources.
  • Create and encourage the usage of an employee complaint process for pay concerns.
  • Implement a system that requires employees to verify timecards and initial any changes.
  • Get advice from an experienced attorney to ensure that policies, classifications, and all other aspects of the business follow the current laws.

Contact an Experienced Illinois Employment Lawyer

If you have questions or concerns about minimum wage violations, a Schaumburg employment law attorney will provide the answers you need. The Miller Law Firm, P.C. offers reliable and cost-effective service to companies and individuals in Cook County, Kane County, DuPage County, and Lake County, Illinois. Using over a decade of experience assisting local businesses, attorney Richard J. Miller will provide the legal help and guidance you need. Call us today at 847-995-1205 to schedule your free consultation and find out how together, we can help your business reach its full potential.

Sources:

https://www.dol.gov/general/topic/wages/minimumwage http://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=2400&ChapterID=68

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Schaumburg small business commercial litigation attorneyThe primary goal for most small business owners is to have a thriving business. Expanding a customer base is a crucial component of growing your business. Many companies accomplish this goal by gathering data about their patrons for future use. For instance, many companies collect email information to provide their customers with notices about upcoming events and sales. This method is useful in creating repeat customers and increases the probability of additional traffic. However, businesses must use caution with their clients’ information to avoid breaking federal laws surrounding data privacy and limit the possibility of commercial litigation.

Online Interaction

The majority of companies today use a website to serve the needs of their clients better. However, these websites often track every move each customer makes, storing this information in a database. Small businesses should be sure to follow the proper procedures to protect this customer data. Creating a valid privacy policy is an excellent way to begin. When creating one for your business, keep the verbiage simple and adhere to your promises. Once your plan is ready, make it visible for all customers to read before proceeding with your website.

What to Include in Your Policy

Ensure that the policy you create is one to which your company can adhere. If you say you will do something, your customers expect you to follow through. These are a few critical issues to consider addressing:

  • What data your company collects.
  • How you obtain the information.
  • What happens to the data.
  • How customers can control the information that is gathered.
  • What steps your company takes to protect the data.

Changing Privacy Laws

Federal and state laws regarding the data privacy on websites have gone through a number of changes in recent years, and it is likely that they will continue to be updated. To find the most current information, it is good practice to consult with an Illinois small business law attorney. Any business that fails to comply with existing standards may be subject to stiff penalties. For a small business, in particular, these fines can have a drastic effect on a company’s bottom line. A data breach can be even worse to overcome, because employees and customers alike feel misled by the company’s failure to safeguard their private information, and a company may need to defend themselves in a lawsuit.

If you are starting a business, or if you want to review your company’s privacy policy, The Miller Law Firm, P.C. can help. Attorney Richard J. Miller has an extensive background in corporate finance, which, when paired with his legal experience, enables him to provide invaluable assistance to businesses and individual employers. Call us today at 847-995-1205 to discover how we can help your business thrive.

Sources:

https://www.bbb.org/council/for-businesses/toolkits/data-privacy-for-small-businesses/

http://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=3004

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