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What benefits does workers' compensation provide?

Going to work every day shouldn't be a scary experience, and for most New Yorkers it isn't. However, just because individuals aren't afraid to go to work doesn't mean that they don't confront potentially dangerous situations on a daily basis. In fact, most workers face risks that could leave them with a workplace injury. Whether from repetitive stress, a high fall, or dangerous machinery, an individual can be left with severe physical injuries that can be painful and costly.

The losses can take quite a toll, too. Workplace accidents can leave victims with significant medical expenses, rehabilitation costs and lost wages. Such financial damages can make it challenging to find the stability one needs to obtain necessary medical care, retain his or her standard of living, and focus on physical recovery. Fortunately, though, most people who suffer an on-the-job injury are eligible to recover workers' compensation benefits.

Workers' compensation benefits can cover a wide range of losses. First, these benefits can help cover lost wages by providing cash to injured workers. To determine the amount paid, two-thirds of an injured worker's average weekly pay is multiplied by the percent of disability he or she is deemed to have suffered. Second, hurt workers may be able to recover medical benefits. Here, all necessary medical care will be paid for by the harmed individual's employer or the employer's insurance. Lastly, injured workers who have been hurt for a significant period of time may qualify to receive supplemental benefits to help offset rising costs.

Although workers' compensation may help an individual find the financial stability he or she needs after a workplace accident like a construction injury, the truth is that many workers' compensation claims are denied for a variety of reasons. To ensure that one's claim is as strong as possible before proceeding, or to ensure that an appeal is as fully prepared as possible, injured workers may want to think about discussing their case with an experienced workers' compensation attorney.

Source: New York State Workers' Compensation Board, "Workers' Compensation Benefits," accessed on April 14, 2017

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