Businesses operating in the New York area have great concerns with employees who are injured or become ill on the job. After all, injured workers are often looked upon as part of the family and their pain is a sign that perhaps more must be done for the safety and well being of all employees. And, if they fail to provide coverage, which is required by the New York State Workers’ Compensation Law, they can face a charge of a misdemeanor, which may carry sanctions imposed by the Workers’ Compensation Board (WCB).
This coverage provides much needed benefits, and these benefits replace the income that is lost when someone is unable to work. It helps individuals heal as completely and as quickly as possible. Employers should be able to supply the forms needed to file a claim when one arises, and also see to it that the worker is properly treated and that, when possible, provide them with a job once cleared by a physician to go back to work.
Terms and conditions
To be covered by compensation laws, any injury-causing incident must fall into the following categories:
- Individual must work for a company and in a capacity that is mandated to have workers’ compensation coverage under New York law
- The injury, illness, or disability suffered must occur while performing the duties involved in the capacity of employment
- Employer must receive a written notice of the incident that caused the injury or illness within 30 days of when it happened, and
- A medical report states that the injury, disability, or illness was caused by an on-the-job accident or condition
In some cases employers and their insurance providers may dispute incidents that appear to qualify for compensation, and rightly so, due to the number of false claims made annually, which only adds to the surging costs for insurance. This is why clear evidence, and the support of medical professionals are needed to prove that the injured party deserves compensation for as long as it is needed.
Injuries affect everyone, and a New York state workers compensation policy will help the process of healing and ensure that everyone at work will be provided with benefits when an injury occurs.