Although most work environments are relatively safe, there is always a chance that someone could become injured while performing job related duties. When such an unfortunate event occurs, the person is entitled to compensation in one form or another. The workers compensation insurance New York residents are covered by is governed by strict laws. The latter help guarantee that the individual who was hurt will be compensated, and that the company or business for whom the employee works follows the appropriate protocol for the situation.
All individuals working under covered employment in the state of New York are eligible for workers compensation if they become injured. This includes those who work full-time, part-time, and even leased or temporary employees. Volunteers working at for-profit companies are also eligible.
Individuals who receive workers compensation in New York typically qualify for reimbursement for medical bills and cash benefits if they are hurt while working. This is usually the case regardless of the way the accident occurred, unless the worker was using drugs or alcohol on the job. The claim for the aforementioned expenses and cash benefits is generally handled by someone at the employer’s insurance company.
Is essential to realize that monetary reimbursement for an on-the-job injury does not typically equal the person’s current salary. Instead, the injured worker is usually given about 80 percent of what his or her salary was at the time of the accident. In specific instances, the business may choose to dispute the worker’s claim for this type of compensation, and such cases must be reviewed and ruled on by a judge. However, since many cases of this type are black and white, not many employers fight such claims.
In certain cases, workers compensation is not awarded to individuals who purposefully engage in activity that is dangerous. This is due to the fact that such behavior is similar in nature to being under the influence of drugs or alcohol. In other words, the worker knows that he or she is doing something that may cause an injury. In such cases, the employee is responsible for his or her own medical expenses.
After the necessary paperwork is completed, a seven-day waiting period to goes into effect. However, there are some factors that may delay these documents from being forwarded to the insurance company, which may extend the waiting period. If the injured person does not receive anything in writing within 10 days of submitting the paperwork, the human resources officer at his or her company should be contacted.
Anyone who sustains injuries while working that are not due to reckless or irresponsible behavior should complete an accident report as soon as possible. Employers are not legally allowed to refuse to let an injured person complete such documents. If any employer attempts to intimidate a worker or refuse to allow the person to complete an incident report, that employee should speak to an attorney.
The workers compensation insurance New York businesses provide offers a safety net for individuals who are injured while at work. It will help protect the person’s quality of life, even though he or she has been involved in an accident. It is wise for anyone who was injured on the job to seek compensation.
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