Overtime isn't exactly "off the clock". If it comes to such an insurance claim, it may be hard for the insurance company to prove that the worker is "off the cl

Overtime isn't exactly "off the clock". If it comes to such an insurance claim, it may be hard for the insurance company to prove that the worker is "off the clock". For that matter, the kind of shenanigans employers pull with on/off time and wage theft mostly happen on the books. Even employees don't necessarily know if and how they are cheated on at any particular point in time.