QUESTION: I DID NOT PUNCH IN FOR WORK.  DOES THIS MEAN I AM NOT COVERED IF I HAVE AN ACCIDENT?

ANSWER: IF YOU ARE AT WORK AND YOU DON’T PUNCH IN, YOU ARE STILL COVERED. PUNCHING IN DOES NOT START COVERAGE FOR A WORKER.

Joe was running late.  A custodian at The City College, a CUNY school, the minute he got onto the campus, his radio crackled with news of a boiler freaking out in old Sheppard Hall.  Rather than punch in, he ran straight to the boiler to take care of business. Running down the hall to the boiler room, he passed a bunch of students hanging out on the floor as young people are want to do.  And before you could say Workers’ Comp, Joe went flying through the air.  The boiler wasn’t the only thing that broke that morning.  So did Joe’s right ankle.

After the ER and the X-rays, and the cast and the crutches and the really great painkillers, Joe called his supervisor to put in a claim.  Imagine Joe’s surprise when his supervisor told him that because he hadn’t punched in before heading to the broken boiler, he was not covered.  Joe panicked.  That ER visit was going to cost a bundle, and it was a bundle he didn’t have.  What should he do? Continue reading →

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