If you have experienced a job injury, your employer’s workers’ compensation insurance policy may offer important benefits. In addition to payment for medical treatments, WC may provide you with a portion of your lost income while you recover.
However, you may not be able to access needed benefits unless you follow certain specific steps.
1. Notify your employer
To remain eligible for WC benefits, it is essential that you notify your employer of your job injury within 30 days of the incident. This helps establish a clear medical record of how and where your injury took place.
2. Seek treatment for your injuries
Regardless of the severity of your injury, make sure to seek medical attention. If you need emergency care, you can visit the provider of your choice. However, for non-emergency or follow-up treatments, you will need to visit a physician approved by the Workers’ Compensation Board. Make sure to let all providers know that your injury occurred on the job.
3. Follow up with medical care
If you require follow-up care with approved providers, it is important to keep careful records of your medical treatments and related expenses. In addition to diagnostic tests, procedures and prescriptions, you may receive compensation for medical equipment or travel costs to and from appointments.
It is also crucial to follow recommendations for care. Failing to pursue the treatments your physician recommends may cause your employer or the insurance company to determine that your injury is not as severe as you claim.
You may find that the insurance company denies some or all the benefits you file for. However, you may still be eligible for full compensation. If you believe your employer or an insurer is in error, you may file an appeal with the New York State Workers’ Compensation Board.