Contractors sign up for Workers’ Compensation insurance to protect employees who are hurt on the job. Although most claims are legitimate, workers compensation fraud is common. Bogus claims can add up to big losses for not only insurance carriers but employers, too. Read more
Winter is a tough time for construction workers, and this period usually correlates to a rise in certain injuries. Workers and especially their supervisors must take steps to ensure sound safety practices and to prevent injury. These measures can range from bringing along an extra pair of dry socks to changing your scheduling practices completely. Read on to learn more about strategies that can reduce cold weather injuries and keep workers safe no matter how low the mercury tumbles. Read more
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.
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
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.
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.
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.
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.
Understanding Workers Compensation Insurance
Knowing when you are going to be covered by workers’ compensation for a work-related injury or illness can help you save thousands of dollars in medical costs. Sometimes you can also recover lost wages as a result of your workplace injury.
The tricky part lies in determining whether or not your specific situation falls under workers compensation as well as whether your employer even has coverage for you. To determine what times you would and would not be covered under workers’ comp, here are some general guidelines:
Concrete is one of the most widely-used construction materials on the planet. It is durable, versatile, cost-effective and generally easy to work with. Thousands of workers handle concrete every day, and you do not often hear about any consequences or injuries. This track record exists because many people are aware of the potential dangers of concrete, especially wet concrete contacting skin.
To make sure that your workers are doing their best to stay safe while pouring, mixing and generally working with concrete, follow these guidelines: Read more