What to Know about Workers’ Compensation
Workers’ compensation is a statutory benefit, paid for by your employer for workers with workplace injuries or job-related illnesses. Benefits include:
Full coverage for all medical and hospital care. o There is no co-pay or deductible.
o You are reimbursed for travel expenses
related to medical care.
Partial wage replacement for temporary or
permanent loss of earnings.
Special compensation for loss/partial loss of use of a
limb, a facial scar, or loss of vision or hearing.
You are entitled to benefits even if there is no lost
time from work.
Why you should file a claim:
It costs you nothing to file.
Your health insurance will not pay medical costs for
Your injury may re-occur and if your case was not
established, you may not be able to get WC.
FOA can help you by managing the process and
providing legal representation at hearings. There is no attorney fee unless an award is made.
Steps to obtain coverage:
• Report accident/injury to employer/supervisor promptly. You have 30 days from the date of injury to notify your employer of an accident/injury. You have 2 years from when you knew/should have known that you have an occupational disease (carpal tunnel syndrome, etc.) to notify your employer.
• Get medical treatment from a physician of your choice. No workers’ compensation claim moves forward without medical documentation. Make sure you tell your physician it is a workers’ compensation case. Your doctor must submit a medical report.
• File a claim (C-3 form) with the NYS Workers’ Compensation Board. You have 2 years from the date of accident to file a claim. You have 2 years from when you knew/should have known that you have anoccupational disease to file a claim. Your employer cannot and does not do this for you. It is yourresponsibility to file a claim. Just notifying your job about an accident does not begin a claim.
Fine, Olin & Anderman, LLP www.foalaw.com | 1-800-522-9001