Workers Compensation Representative

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Allan ReichNYS Licensed Workers' Compensation
Representative
TOLL FREE (877) 922-HURT (4878)
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• Introduction to Workers Compensation

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What is Workers' Compensation

• Workers' Compensation is an insurance policy
  paid for by your employer, not an entitlement
  program. You and every employee who works in the
  State of New York have paid in for years in the
  event that somebody gets hurt or sick on the job.

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History of Workers Compensation

• Workers Compensation movements began in the
  early part of the twentieth century.
• Prior to the enactment of workers compensation
  statutes, the law took a harsh view of employee
  injuries.
• Employers could raise defenses to injured
  workers claims
• Assumption of the risk
• Negligence of the employee
• Intentional actions by third parties

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Persons Who Are Covered Under NYS Workers
Compensation

• Workers in all for-profit businesses
• .County and municipal employees.
• Public school aides, including New York City
  aids. New York City shop teachers are covered
  other
• New York City teachers are covered in another
  system.
• Employees of the state of New York, including
  some volunteer workers.

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• Domestic workers employed 40 or more hours per
  week by the same employer. This includes
  full-time sitters, companions, and live-in maids.
• Farm workers whose employer paid 1200 or more
  for farm labor the previous calendar year.
• Anyone else the Workers Compensation Board
  determines is an employee.
• Religious, educational or charitable nonprofits
  may voluntarily cover their clergy and teachers.
• Coverage is not mandatory for domestic workers
  employed fewer than 40 hours a week who dont
  live in the employers residence.

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Persons Who Are Not Covered Under NYS Workers
Compensation

• People working at educational, religious or
  charitable institutions that dont teach or do
  manual labor.
• People covered by federal Workers Compensation
  laws. This includes postal workers, certain
  maritime trades, interstate railroad, and federal
  employees.
• Anyone doing yard work or casual chores at a
  one-family, owner-occupied home. (A minor
  handling power-driven machinery, including a
  power lawn mower, is covered.) There may be
  coverage under a homeowners policy.

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• Certain foreign government employees.
• New York City police officers, firefighters,
  teachers, and sanitation workers are covered by
  another system. Other uniformed police and
  firefighters may also be excluded.
• Real estate sales people and media sales
  representatives who sign contracts stating that
  they are independent contractors.
• Sole proprietors, partners, and one/two person
  corporations with no employees may be covered but
  do not need it under the law.

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Workers Compensation Benefits

• Workers compensation benefits include
• Medical Care
• Rehabilitation
• Disability
• Death
• Legal Expenses
• Psych Expenses
• Claim Settlement
• Lifetime claims

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Determining the Amount of Benefits

• One of the responsibilities of the state Board of
  Workers Compensation is to determine the extent
  of the employees injuries.

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Denying Benefits for Claims of Fraud

• All of the benefits discussed so far can be
  denied in cases where an employee engages in
  fraud.
• There are numerous kinds of fraud, from employee
  fraud to medical billing fraud.

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Your Employer and insurance companies rights are
protected by legal counsel. Your rights should be
protected too. Beat the Workers' Compensation
maze. Hire Allan Reich, a professional in the
field of Workers' Compensation.
Toll Free (877) 922-HURT (4878)
www.WorkersCompRep.com