How to stop an insurance agency from suing young workers
Young workers in the insurance industry are more likely to be sued than their elders, but some big insurers are still pushing back against a growing trend.
The stakes are high for young workers who are facing a lifetime of financial and job insecurity.
The new rule could end up harming young people’s prospects of securing insurance, said Daniel H. Shapiro, a professor at the University of Michigan Law School who studies consumer protection.
It would be a major blow to young people and employers alike.
The Trump administration has rolled out a number of rules aimed at helping young workers navigate the job market.
But the administration has also made it clear it does not intend to protect young workers from workplace-related lawsuits, including those filed by insurance companies against employees.
Young workers may be more likely than their parents to get hit by a car, but they are not guaranteed protection from lawsuits, according to studies and federal filings.
Many insurers are not opposed to protecting employees from workplace lawsuits, but not their employers.
In a statement, the American Insurance Association, the largest trade group for insurance companies, said it opposes the rule because it “would impose an unreasonable burden on workers who work for an insurance company.”
The rule would create a federal requirement for insurers to verify that they are compliant with workplace-based safety laws and the rule would not require insurance companies to monitor their compliance, said AIA President and CEO Gary Claxton.
The association is also opposed to the rule’s requirement that insurance companies provide a list of employees they expect to sue in a claim.
The proposed rule would also bar companies from requiring that all employees who work in the company be certified in workplace safety.
The rule would require employers to report data about whether employees in their insurance plans have been injured or killed.
Insurers could also not require employees to sign nondisclosure agreements.
A study by the nonpartisan National Employment Law Project found that about 4.7 million people were employed by insurance plans that required employees to take such agreements.
“It would be impossible to comply with the proposed rule without requiring the disclosure of information that employers are required to provide,” said Jennifer Dzikowski, the law program director at the nonprofit Consumer Federation of America.
“That would effectively require insurance firms to disclose information about employees who are injured or died.
This rule would have no meaningful impact on the number of employees who need coverage or who might lose coverage because of their injuries or deaths.”
The rules could also affect insurance companies’ ability to set their premiums based on how much money they receive from their customers, according a report from the Kaiser Family Foundation.
Insurers would need to make sure they’re not paying more than what they were paid for the same product, or a similar product, before the new rule takes effect.
Insurance companies have spent years developing strategies to prevent claims from snowballing out of control, said Shapiro, the UM Law professor.
But that strategy is increasingly coming into question as the economy improves.
“I am not sure how much this rule will really do for people who are getting sick,” Shapiro said.
“It is very important to understand how this regulation will affect a lot of the businesses, because it will be a big blow to the insurers and employers who are trying to keep their workers healthy and secure.”
Follow USA TODAY’s coverage of the health care fight in America’s cities.