Workers’ compensation insurance provides vital wage replacement and health care benefits to employees who’ve suffered work-related injuries. However, the complexity of the system can make it difficult for injured workers to understand their rights or what benefits they’re entitled to. Below are answers to some common questions you might have about this process.
4 FAQ About Workers’ Compensation
What types of injuries are covered?
The workers’ compensation system is designed to cover a wide range of situations, from accidental injuries to chronic medical conditions related to your working conditions. Workers who develop occupational illnesses and mental health issues related to their jobs may also be able to file a claim.
What types of benefits are available?
Injured workers who successfully file a claim may receive wage replacement benefits until they’re able to rejoin the workforce, in addition to any medical care you might need.
Can I file a claim even if I was responsible for the accident?
In most cases, workers’ compensation is a no-fault system, which means you’re still eligible for benefits even if your own actions contributed to your injuries. However, you might be denied if your actions could be considered extremely reckless or if you were under the influence of drugs or alcohol during the accident.
How do I start the process of filing a claim?
The process for filing a claim varies from state to state. In New York, you’re required to inform your employer of your accident or medical diagnosis within 30 days, after which you might lose your right to benefits. Start the process as soon as possible to increase your chances of getting the benefits you deserve.
If you’ve suffered a work-related injury in the Rochester, NY, area, the legal team at Vincent J. Criscuolo & Associates will guide you through the process and advocate for your interests at every step. Visit their website for more on their workers’ compensation services, and call (585) 232-3240 for a free case evaluation.