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LMCIT can provide the coverage either way, but the important thing is to make sure that all parties involved are clear on what the intent is. Note that employees of an utilities commission, HRA, EDA, port authority, or hospital or nursing home board are not automatically covered by the city's LMCIT work comp coverage unless that board is specifically listed on the information page of the coverage document. Joint powers boards If a joint powers board has its own employees, it needs work comp coverage. Any joint powers board which has at least one city as a member is eligible for LMCIT work comp coverage. LMCIT can provide that coverage either by issuing separate coverage to the joint powers board, or by adding the joint powers board as a covered employer on the city's LMCIT work comp coverage. Advisory boards Unpaid members of advisory boards that do not have legal decision-making authority are not eligible to be covered by work comp. However, cities may obtain board accident coverage from LMCIT for members of advisory boards at the same rate as for administrative boards. Volunteers Volunteers considered employees Certain volunteers are defined by statute as employees for purposes of work comp coverage. These include volunteer firefighters, ambulance attendants, first responders, law enforcement assistance volunteers, and civil defense volunteers. These volunteers are entitled to receive work comp benefits if they are injured while performing volunteer services for the city, and are covered under the city's regular work comp policy. Volunteers in an emergency City volunteers at work during an emergency are entitled by statute to work comp benefits under a city's policy. Emergency city volunteers must be registered with the city and work under the direction and control of the city. LMCIT does not charge any additional premium for this work comp exposure. (Like other city volunteers, emergency volunteers are also automatically "covered parties" under the city's LMCIT liability coverage.) For more information, refer to the "Providing Assistance in Emergencies: Coverage and Liability Issues" memo. Other city volunteers Other city volunteers are not considered employees and are therefore not covered by workers' compensation. For these volunteers, LMCIT offers an optional volunteer accident coverage, which provides some limited "no- fault" benefits for volunteers injured while working for the city. Volunteers under this program receive limited death, disability and impairment benefits. The city can also add coverage for up to $1,000 of medical costs for an additional charge. This - 2 6 -