Every employer in the state of New York is required by law to carry workers' compensation insurance. This coverage ensures payment and compensation for an injury or sickness caused by conditions in your workplace.
The insurance companies that sell these policies are for-profit businesses that have been entrusted with your care and treatment, but can you trust them? Consider this; since the insurance companies want to remain profitable businesses, they don't want to spend any more money than they have to.
That is why, no matter how concerned your claim adjuster or case manager appears to be about your condition, remember that it is their primary responsibility to limit the cost of your workers' compensation claim.
Has A Corner Been Cut?
Your employer's insurance company is supposed to pay your medical bills and a portion of your income if you get sick or injured because of conditions at work. Also, the insurance company is tasked by law to pay temporary or permanent disability benefits if the injury or sickness causes permanent damage. Lastly, the immediate survivors of those who die because of an accident or illness caused by work conditions are due death benefits.
Even though they are required to do this by law, many times companies cut corners to minimize their expenditures. This is not right.
What If Something Happens To You?
In the case of an injury or sickness caused by conditions in your workplace, such as an wet floor that you slip and fall on, file a workers' compensation claim and seek treatment as soon as possible. Find out how you can fight back if you do not receive all of the benefits to which you are entitled.