Question:
If I am a German national working on a US Base in Germany and I already have complete insurance coverage based on German law must I purchase an additional duplicate policy for workers comp identified as DBA? One insurance company stated that I must purchase a $5,000.00 policy even if I only work on base one day a year. Is this a Fraud, waste, and abuse case agaisnt the US Government?
Answers:
Well, is it a CONTRACTUAL REQUIREMENT that you already agreed to, to work with the base? The BASE is US territory, and subject to US LAWS. So if you work ON the base, your GERMAN insurance doesn't necessarily apply AT ALL.
THe solution? Don't do any work on the US Base - then you won't be subject to US laws. Workers comp laws apply REGARDLESS of number of days worked, or hours worked. You could be there one minute, and BAM, the law applies. This is US LAW, because you're on a US BASE, which is US TERRITORY.
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