An injury on the job can be a frightening event. As contractors we understand that even the slightest of injuries can spiral out of control quickly if it does not receive the proper medical attention. Still, plenty of workers never make it to the doctor. They continue working through that injury. Fear of medical expenses and recovery time are two major detractor to contractor health (and it shouldn’t be). If you get injured on the job you should not have to worry about the cost of your medical bills assuming you or your employer has a workers compensation policy. Here’s what you need to know about NYS workers compensation.
How NYS Workers Compensation Can Help You Get Through an Injury
Who Needs It?
Workers compensation is one of the most popular policies for contractors in New York State. Most of that has to do with the fact that workers comp is required by law from the Eastern most point of Long Island all the way to Buffalo. So, wherever you are in New York, your employer needs to carry some kind of workers compensation policy. If you are self-employed (and employ others) you will also need to acquire that policy. But, that’s enough about who needs NYS workers compensation insurance. The bigger question is what can it do for you?
What Can it Do for You?
NYS workers compensation is designed to protect you from the following situations: injuries, loss of limb, repetitive motion injuries, injuries inflicted at work, medical treatment, rehabilitation and even death. Typically, not being able to go to work would put you and your family in an extremely stressful situation financially. Workers comp should help alleviate some of that stress. It will cover up to two-thirds of your salary until you are able to return to work and will cover any additional medical expenses that you may encounter.