Amish _ Workers Compensation

Exclusion of Amish workers in the Indiana Workers Compensation system.

The Workers Compensation Board of Indiana​ and Amish business owners reached an Agreement effective January 1, 2008 where Amish owned businesses may provide medical treatment and compensation to injured Amish workers. Amish employers may elect to participate in a voluntary mutual aid plan titled “Small Business Aid” (SBA). 
 

Confirm Small Business Aid Enrollment

The WC Board of Indiana maintains a list on its website to confirm if an Amish employer is registered with the Amish Small Business Aid Fund, and therefore, if its Amish employees are excluded from the Indiana WC Act.

 

The list is located on the WC Board webpage titled "Self-Insured Employers". It is updated about twice a year around March and October. 

 

Self-Insured Employers Lists

For clarification as to who can be covered by the SBA, refer to the chart below:

If the employer is Amish and…
Then…
Employs Amish workers
Amish workers may be covered by the SBA
Employs non-Amish workers
Non-Amish workers must be covered by a WC policy
 
If the employer is non-Amish and…
Then…
Employs Amish workers
Amish workers must be covered by a WC policy
Employs non-Amish workers
Non-Amish workers must be covered by a WC policy

Assigned Risk Application Processing

In order to process an application for an employer covering non-Amish employees, the ICRB requires the following:

  1. List of all employees (Amish & non-Amish)
  2. Evidence that the employer has joined the Amish Small Business Aid (SBA)
Upon assignment to the carrier, we notify them that this is an Amish business with excluded Amish employees. The carrier will issue the policy with an attached endorsement WC 00 03 08 (Partners, Officers and Others Exclusion Endorsement) and insert wording to identify the excluded workers such as “Amish employees covered under the Amish Small Business Aid."
 





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Related Links

Indiana DOI letter dated 01/05/09 regarding "Amish Worker's Compensation"ICRB Circular 2008-05 "Amish & WC Board Agreement"​