Per the Workers' Compensation law, domestic workers, or private household workers, employed 40 or more hours/week by the same employer (including live-in help) are required to be covered by a New York State workers' compensation insurance policy.
Workers' compensation insurance is not required if a domestic worker works less than 40 hours/week for a household. While not required, a person who employs household help for less than 40 hours/week is strongly encouraged to obtain a voluntary workers' compensation insurance policy to protect both the employer and the employee.
The two classifications of domestic workers are inside and outside. They are further categorized by the number of hours they work a week.
Inside domestic workers are employees exclusively engaged in household or domestic work primarily performed inside the house. Examples: cook, housekeeper, home health aides, babysitter.
- Code 0913 Inside domestic who works more than 20 hours a week.
- Code 0908 Inside domestic who works 20 hours or less a week.
Outside domestic workers are employees exclusively employed in household or domestic work primarily performed outside the house. Examples: private driver, gardener.
- Code 0912 Outside domestic who works more than 20 hours a week.
- Code 0909 Outside domestic who works 20 hours or less a week.
- Count the number of full time employees who worked more than 20 hours a week during the same time period.
- Enter the payroll paid, the number of employees, and the locations indicated for the period listed.
- List the number of concurrent full-time domestics under Total.
- Determine the total number of hours worked (on average) per week and divide by 20.
- Enter the resulting number under Total. Example: For a total of 80 hours, divide 80 by 20. The number entered would be 4. You must enter a minimum number of 1.
- Enter the payroll paid, the number of employees, and locations indicated for the period listed.
To expedite processing, make sure your report is complete, signed and returned to NYSIF within 30 days. Note: Failure to return payroll reports for one or more policy periods may result in an estimated earned premium billing at a higher premium cost.