New York is a city with a lot of businesses in different fields. Every business tries to protect its interests to avoid losing to competitors, which is why employee protection is quite valuable here.
Most companies rely on their employees to do their day-to-day activities. Therefore, on-the-job injuries can slow down the companies if not attended to quickly enough.
Workman’s comp in New York is necessary for employers as it protects them from liability when an employee gets injured. To keep the employees safe and your company from shutting down, you should have a workman’s comp insurance policy. Here is what you should know about workman’s comp in New York.
What It Covers
Workman’s comp in New York covers all injuries and illnesses that happen in the course of work. However, the injury or illness must result from doing your assigned duties at the workplace. Once you submit a workman’s compensation claim with your employer, you can expect the insurance to cover the following items.
1. Medical Care
Under medical care, the insurance takes care of optometry, dental care, medically necessary drugs, assistive devices, and surgical care. Also, you must get treatment from a healthcare provider approved by the worker’s comp board.
2. Lost Wages
You can also get compensated for lost wages, but that only happens if you are away from work for more than 7 days. If the injuries you sustained keep you from doing the job that pays you, you are eligible for compensation for the lost wages.
3. Permanent Disabilities
It is possible to incur permanent injuries that lead to disability. The worker’s comp in new york also has provisions for such covers to help you cope with the disability. The benefits are either temporary or permanent, depending on the condition of the injuries.
Who Needs It
Almost all employers in New York should have a workers comp policy in their company, regardless of whether they are a profit or non-profit organization. As long as you have employees under your supervision, you should protect them from work-related injuries in New York.
That includes all employees, whether borrowed employees, temporary employees, part-time employees, leased employees, family members, seasonal employees, and even volunteers. However, the cover is much more important for employees doing hazardous jobs like construction, chemical plants, and other companies in that category.
How It Works
The process of compensation starts when you notify the employer of the injury. They will give you the relevant claim documents to fill out and then forward that to the worker’s comp claim board.
If the injury is an emergency, treatment can be administered by any healthcare provider, but if not, you should go to a workers comp board-approved healthcare practitioner. If the board approves the claim, you get compensation from the 18th day since the injury or ten days after notifying your employer.
Workman’s comp in New York protects both the employer and the employee. Some injuries might not be compensated, especially when you can’t tie them to your job. There is always the option of going to a judge, but you should know what your worker’s comp covers before you file any claims for an easier process.
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