7. Occupational Injury,
Indemnity, and Medical Benefits Program (OIIMBP)
First let
me say that as of this date, these programs are illegal outside Sovereign
Indian Nations in
They
usually present themselves as PEO’s. They provide the payroll services and Human
Resource management services of PEO’s.
Most
operate as Self Insured entities without the CA certification. Because they believe they come under the US
Congress and not CA laws, they attempt to operate outside the CA Insurance and
Department of Industrial Relation rules and laws and claim Sovereign Nation
status as the right to operate. While
this may be true, Agents and Brokers who present this as an alternative to CA
Workers’ Compensation who are licensed in CA can have their license revoked and
they can be fined and the company who purchases the program can also be fined
and forced to go back to the market for Workers’ Compensation Insurance.
The
CADOI and CADOIR are arguing that the injured worker does not receive benefits
equal to the minimums required by CA Law.
One major stepping stone is the OIIMBP wants
all disagreements to be settled in
While
they do represent that their programs do meet or exceed the minimum
requirements for Workers’ Compensation in CA, it is the decision of the CADOI
to monitor all Insurance matters in CA and their decision is ruling.
The
Indian Programs can operate legally in their Casino’s and on Sovereign Indian
Nation land. If you work for the
Sovereign Indian Nation, you will probably be covered
by OIIMBP.
(Appendix
C Page 33) compares the above options Side by Side