Workers’ compensation insurance is designed to protect employers in New York from liability when their workers, such as construction workers, are injured on the job. This insurance system provides financial benefits to cover their employees’ accident-related expenses, like lost wages and medical bills. Here is a rundown of the ins and outs of workers’ compensation.
A primer on workers’ compensation
Workers’ compensation is not just for large corporations and enterprise businesses. It is also for midsize and small construction businesses. Businesses in most states must have this coverage when hiring employees. This is true regardless of their industries or how many employees they have.
Construction workers injured on the job would be wise to report their injuries to their employers as soon as possible. This is important even when their injuries seem minor. What appears to be minor injuries may become more extensive ones depending on the injured employees’ overall health. The sooner a claim is filed, the sooner the workers’ compensation insurance carrier can address the situation.
How an attorney can help
Workers’ compensation insurance may help an injured construction worker in New York in multiple ways. Insurance benefits might help cover the worker’s accident-related medical costs and lost wages if he or she cannot work for an extended period while recovering from the accident injuries. This insurance may also cover disability benefits and ongoing medical care costs. An attorney can help a hurt worker file for workers’ compensation and educate him or her on the process. The attorney will strive to ensure that his or her client receives the maximum amount of benefits to which he or she is entitled.