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The Complete Payroll Blog

Worker’s Comp Claims – What are your rights as an employer?

Posted by admin | Jun 25, 2014 6:00:11 AM

ID-100268451Understanding the Basics – What does worker’s compensation cover?

Workers' compensation laws cover work-related injury or illness. There is some grey area though considering that the injury or illness does not necessarily have to occur in the workplace. This means that as long as the injury or illness is job-related, it's covered. For example, an employee would be covered if he or she was injured while traveling for work or even attending a business-related social function.

What doesn’t it cover?

  • Off the job injuries
  • Self inflicted injuries
  • Injuries resulting from a person being intoxicated with alcohol or drugs
  • Injuries resulting from a fight started by another employee
  • Felony related incidents
  • Any claims made after the employee is fired or laid off
  • Independent contractors

Employers in all 50 states have the responsibility to provide workers’ compensation coverage according to their respective state’s laws and regulations.

According to the New York State Worker’s Compensation Board, employers have the following rights:

  • The right to request that the insurance carrier contest the claim.
  • The right to attend any hearings related to a claim filed.
  • The right to electronically access the Board's case file for a claim filed by the employer's worker by visiting one of the Board's customer service centers.
  • The right to participate in the hearing and present relevant evidence about disputed issues at a hearing.
  • The right to report suspected workers' compensation fraud to the Fraud Inspector General. (Fraud Referral Hotline: 1-888-363-6001)
  • The right seek administrative review and/or appeal to the Appellate Division.

For more information, visit the NYS worker's compensation board's website.

Workers’ Compensation has created a huge burden for virtually every business in the nation. Insurance carriers have historically required sizeable upfront deposits to cover their risk of non-payment and defaulted premium. CPP’s EZ Work Comp© program facilitates billing on a per payroll basis where premium is calculated on actual rather than estimated wages, greatly reducing the risk of additional payment due on audit. CPP is dedicated to aggressive cost containment and reduction of your Workers’ Compensation expenditures.

For more information, visit our website or give us a call!

For more about this topic, read how a workplace safety program can save you money on worker’s comp.


Topics: Insurance

Written by admin

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The materials and information available at this website and included in this blog are for informational purposes only, are not intended for the purpose of providing legal advice, and may not be relied upon as legal advice.  The employees of Complete Payroll are not licensed attorneys. This information and all of the information contained on this website are provided pursuant to and in compliance with federal and state statutes. It does not encompass other regulations that may exist, including, but not limited to, local ordinances. Complete Payroll makes no representations as to the accuracy, completeness, currentness, suitability, or validity of the information on this website and does not adopt any information contained on this website as its own. All information is provided on an as-is basis.  Please consult an attorney to obtain advice with respect to any particular question or issue.