How Does Workers’ Compensation Provide Benefits?
Workers’ Compensation is a benefit system designed to help workers who are injured on the job or who have become ill because of their work environment. Employers are required to carry Workers’ Compensation insurance to cover the cost of benefits that will need to be paid to injured workers.
Insurance companies pay these Workers’ Compensation benefits to the workers, but quite often they will either deny your claim or make you an offer lower than what you are entitled in order to settle quickly and avoid a trial. Having your own legal representation can help you get the maximum benefits you are entitled to.
New York Workers’ Compensation Benefits Include:
- Full Medical Coverage
You are covered for the cost of emergency care, follow up doctor’s visits, rehabilitation sessions, prescriptions, medical supplies, medical specialists, and transportation to and from doctors, with no deductibles or co-pays.
- Lost Wages During Recovery Time
Your can get benefits for missed workdays because of injuries or illness. Typically you are entitled to a weekly benefit of 2/3 (tax-free) of your average weekly earnings, up to a maximum of $808.65.
- Permanent Injury Coverage
Work-related injuries can result in a permanent physical impairment that affects your ability to return to your job. Even minor injuries may qualify for a small permanent disability payment.
- The Difference Between Past and Present Earnings
If you return to work and suffer reduced earnings due to your work related injury you may be entitled to the difference between past and present earnings. Even if you return to work with no loss of earnings you are entitled to continuing medical treatment if necessary.
- Possible Cash Awards
For any permanent impairment to extremities, regardless of whether or not you lose any time from work.
- Vocational Rehabilitation Services
If you have to change jobs because you can longer work in the same field, many states will pay for job retraining or re-education.
- Death Benefits
In this unhappy event, your dependents are entitled to burial expenses and a lump-sum payment in most states.
What The Insurance Companies Do In Workers’ Compensation Cases:
Insurance companies will always try their best to deny your Workers’ Compensation claim or give you less than you deserve. Therefore, it may be difficult for you to get the benefits you deserve. They may pressure you to settle quickly, while you are still in distress because of your injury, so they can pay you less compensation than you are entitled to. They may even deny you medical treatment.
Your employer may try to discourage you from filing a claim, because their Workers’ Compensation insurance rates may go up. Employer-paid doctors are not always on your side, and may not give you an “off-work” order, or say your injury limits your ability to work. Even the NY State Workers’ Compensation rating system may say your injury is not permanent, which limits your long-term benefits.
Workers’ Compensation is complicated!
But it doesn’t need to be. You can have an experienced Workers’ Compensation attorney by your side to support you when claiming compensation from big insurance companies. We have been practicing Workers’ Compensation law in New York and Long Island for over 25 years. We know what you really deserve, and will fight for you to get it.
Factors That Determine Your NY Workers’ Compensation Benefits:
- The kind of injury you have
- The doctors report
- How long it takes you to recover
- Whether or not you can return to work
- Special therapies you may need
- If your injury is permanent
- If you need vocational training
- How your lifestyle is affected
- If your paperwork is in order and filed correctly
- Who is representing you
Have an experienced attorney on your side. You will work with an attorney all the way through your claims process, and our clients say this made a huge difference to them. Take a look at our Workers’ Compensation claim process to see how we work for you.
Call us today and find out what you are really entitled to. We are The WORKERS Attorneys.
Disclaimer: For informational purposes only. This is not a substitute for legal advice. If you need legal advice please contact us.