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NYC Home Improvement Contractors License Checklist

New York City home improvement contractors must be licensed in order to operate within the five boroughs. If you are opening a new company or interested in renewing a license, this basic guide will tell you all you need to know. Read more

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The Tappan Zee Bridge’s Replacement Nears Completion

Sixty-two years after the Tappan Zee Bridge first opened, New York State is near completion on its $3.9 billion replacement. The current bridge had displayed significant signs of aging after carrying more than 138,000 cars and trucks daily. The new structure, which is being built alongside the old, connects Westchester and Rockland counties across the Hudson River.

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What Types of Protective Winter Workwear Do I Need?

Winter weather may be mild so far this year, but that is no excuse to neglect basic cold weather safety. Every employee should be educated about the perils of working in extremely cold weather and prepare accordingly.

Job site supervisors should also vet employee uniforms before the day begins and monitor work habits so that everyone can stay healthy, warm and safe. To help ensure that everyone is dressed for the weather, abide by these cold weather clothing and protection guidelines: Read more

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How to Get a Permit from NYC Department of Buildings

Acquiring a building permit in NYC is far from simple. The high building density and long history of revised standards and regulations requires that every applicant go through a lengthy approval process before the first hammer is swung on a new or remodeled building.

Luckily, the number of steps to keep track of is not overwhelming. Follow the process outlined below to learn more about how you can acquire a NYC building permit from the NYC Department of Buildings. Read more

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What Are New York State Workers Compensation Benefits?

New York State Workers Compensation Benefits

Workers compensation plays a vital role in protecting both workers and contracting companies from the dangers of the job. The construction industry is one of the most dangerous jobs a person can undertake, with many thousands of accidents every year. However safe you work on a job site, you can’t avoid the occasional accident. Workers comp is designed to mitigate losses while allowing workers the time they need to heal and get back on their feet. Here is a look at what is included in New York State workers compensation benefits.

Benefits Categories

Every state has its own laws, rules and regulations regarding workers comp. In New York State, workers comp benefits are divided among several categories. These include:

  • Monetary benefits
  • Supplemental awards
  • Medical care
  • Social Security
  • Death benefits

Cash Benefits

A week following an accident resulting in disability, a worker is eligible for cash awards. The amount of money a claimant is allowed to collect is based on their average weekly earnings over the past year. A specific mathematical formula is used to determine this award. For those able to return to work but with limited earning capability, partial benefits may be received to make up the difference.

new york state workers compensation

Supplemental Awards

These awards are available to those claimants who are affected by increasing costs of treatment and living. There are two categories of supplemental awards: Those who were injured or disabled permanently before 1979, and widows whose spouse died as the result of an accident before 1979. A form (SC-4) is used to apply for these benefits.

Medical Care

The most important part of workers comp, medical care covers the treatment, rehabilitation, doctor’s visits and any other medical costs incurred as a result of an accident resulting in severe injury, disability or death (costs prior to the decedent’s passing, in the latter case). Everything from medication to diagnostic tests to doctor’s office visits to rehabilitation and surgery can be covered in this area.

Social Security Benefits

Not strictly part of the workers compensation insurance, Social Security is nevertheless a vital part of recovery for those who are long-term or permanently disabled from an accident at work. If your injury will keep you out of action for at least a year, you may be eligible for Social Security benefits. Contact the SSA for more information about this.

New York State Workers Compensation

Death Benefits

Those who lose a spouse due to a workplace injury are entitled to death benefits under New York State law. These benefits are paid out weekly and are equal to two-thirds of the average hourly wage made by the worker before he or she passed away. It is tied to the limits of Cash Awards (above), and can be awarded to the spouse, children, grandchildren, grandparents, siblings, parents or other closest relative.

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