Ok then let me say you are not accurate.
May I ask are you involved in workmen's compensation either through the states workmen's compensation board ,Insurance providers, Medical billing ,medical facility, or hearing board? If not and you continue you responses based on perhaps a case or 2 that you were personally involved in then what you are responding with is not how it works and you may not really be helping a member that may think what you are say is accurate.
Maybe you are a Medical Coder, and if so then you should know how picky the work comp board is, or maybe an insurance company that is paying out a case, or perhaps a Doctors trying to collect on a work comp case. If none how can you possibly say you know that you are accurate and know every variable and specifically when it comes to what is and is not covered for at home workers?
I still maintain that anyone that is working at home should contact their Insurance carrier and HR or even that states workmen's compensation board and get the correct information .
I do not know all the in's and out of work comp for the state of New York nor in the state I live in Ca but I ma close to someone that is directly in the business having to do with Workmen's compensation and asked them before I respond on this thread what to say.