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FAQ

workers' compensation in NY can be tricky and you may have a hard time understanding just what it is, what it does, and what it means. Many businesses know that they have to carry it, but they do not know much about it. If your business needs to have this policy in place, now is the time to check out our FAQ, as you will find many of the answers to your questions. If you find that you still have a question or two, call NY Workers Compensation Insurance at (347) 389 8333.

Do I truly need workers' comp insurance in NY?

Yes. This is a serious matter and all businesses need to understand that they need to have workers' compensation insurance. Should an employee be injured or killed on the job and the business does not have insurance, it can be messy. The business will be liable for the damages and forced to pay them, insurance or not.

Many small businesses and businesses on the rocks have been hit hard by these types of claims and have gone bankrupt because of it. Don’t let this happen to you and call our office now.

Are ALL of my employees covered?

If you have a policy in place, yes all of your employees will be covered, should they qualify under the plan. There are exceptions and limitations stated within the plan that could exclude employees from receiving care, so it is important to periodically review the policy and understand it.

If you are required to have workers' compensation insurance in NY and you do not carry it, your employees will still be covered by the state, but at your expense.

What types of injuries are NOT covered under a workers' compensation policy?

workers' compensation insurance in NY does NOT cover self-inflicted acts, acts that occurred while under the influence, and others. It is important to speak with your agent about what is and is not covered.

What happens if an employee falls ill or gets hurt on the job? What do I do?

If an employee is hurt or falls sick on the job, it is important that you follow procedure. You must:

• Provide the employee with a workers' compensation form within one business day from the time of the accident
• Give a completed copy of the form to the employee within one business day from the receipt of the form
• Make sure the employee is medically evaluated based on procedure
• Forward the claim
• Provide $10,000 of funds available to be authorized for any medical treatment for employee
• Provide light-duty work for the employee, when available

What does it mean when an employee is considered permanently disabled?

Permanent disability is a term that is used to describe the level at which an employee can or cannot return to work. A permanent disability would mean that the employee is unable to reasonably return to work and is used to determine the monetary award the employee will receive. To qualify for any monetary values, the employee must have been injured or fallen ill on the job.