The Eligibility Criteria to Apply for Workers Compensation Policy in New York

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In New York, workers’ compensation is a no-fault insurance scheme that provides benefits to employees who have been injured on the job. It’s funded by employers, who pay premiums to insurance companies. Workers’ compensation is not intended to cover all the expenses related to an injury; instead, it’s meant to cover medical costs and lost income while a person is recovering from the injury.

Every state has its own set of rules and regulations for workers’ compensation, but generally, it covers injuries suffered by employees while on the job. If you were injured in the line of duty and believe you will never again be able to work because of your injuries, the first step is to reach out to personal injury attorneys in NY for help and guidance. The following is a list of eligibility criteria:

You must suffer an on-the-job injury or illness

If you develop a condition due to an off-the-job accident or illness like a heart attack, this does not qualify for worker’s compensation coverage. The injury or illness must occur during employment. While many people think of accidents happening on the job site (such as slipping on ice), this could also include injuries that occur while traveling to and from work or while performing tasks unrelated to your primary job duties but required by your employer. However, if you are injured at work and have another accident outside of work that aggravates the original injury, this could qualify for coverage under certain circumstances.

Must be an employee of the company

You must be an employee of a company that has purchased worker’s compensation coverage from an insurance company to receive benefits under the plan. If you are self-employed or work for an employer that does not provide coverage, you may be eligible for benefits such as Social Security disability and short-term disability through your employer’s health plan or private insurance policies. Your eligibility will depend on your situation and your employer’s policies. Contact the respective agencies directly to determine if you qualify for other benefits besides those offered under workers comp laws.

You must work for a company covered by New York’s workers’ compensation law

If you work for a federal government agency or other organization not covered by New York law, you may not be eligible for these benefits. You should check with your employer to see if the organization has its own workers’ compensation insurance policy to pay your claim.

The injury was not self-inflicted

This is one of the most important criteria that a claimant must meet. All injuries caused intentionally by the employee are not eligible for worker’s compensation benefits. For example, if you sprain your ankle while walking on slippery floors and then claim worker’s compensation, your claim will be rejected since it was your fault that led to the injury. In such cases, you can sue the employer, but only if they were negligent or did not provide adequate safety measures on their premises.

The employee’s injury compensation policy can only be obtained after the employer’s work is over and one cannot work in their position. Such an incident might render you unable to work and be paid for a certain period where you cannot earn money.

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