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A general overview of workers' compensation

Workers' compensation can be one of the most important benefits afforded to employees. It covers employees for work-related injuries, giving employees faith that if they are injured at work, they will not be left to fend for themselves. This is particularly important for workers whose occupations involve dangerous machinery, equipment or operations, such as construction workers. Workers' compensation laws can vary by state, but there are some useful tidbits of information to know when dealing with the process.

An article from FindLaw offers a thorough explanation of workers' comp, including what is and is not covered, expenses that the insurance covers and many other questions workers may have. Perhaps the best news for employees is that almost all employees are covered from almost any type of injury with only few exceptions. For example, states can test injured employees for signs of foreign substances and deny them benefits if the tests reveal that the employee was injured while under the influence.

Workers' compensation covers many different expenses, including medical care, compensation for permanent injuries, replacement income and even benefits for those an employee leaves behind if the employee is killed on the job. It also covers long-term injuries that built up over years of exposure to a certain kind of work, such as back problems from a particular type of work-related movement.

Many people have their own doctors whom they prefer to see, but unfortunately most cases of workers' comp require you to see a doctor that your employer has already agreed to pay. It may please you to know, however that your employer cannot fire you or discourage you from taking advantage of workers' comp, so you need not fear retaliation. Again, this is only a general overview of workers' comp. Legal counsel that resides in New York can help you better understand our state's specific laws and ensure you receive the maximum compensation that you deserve.

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Success Stories

  • A 43 year old ironworker who fell four stories and sustained injuries to his ankle while installing a staircase settled his claim for $1,500,000.00. The accident was due to the failure of the building owner and general contractor to provide a safe place to work.
  • A construction worker operating an asphalt roller settled his case for $525,000.00 when the edge of the roadway he was paving collapsed into a trench being dug by a subcontractor causing him to sustain injuries to his leg.
  • A 54 year old commuter settled his case against the NYCTA for $1,200,000.00. when he tripped and fell on a subway platform due to the pavement being in disrepair, causing him to fall forward and to strike his head on a train pulling into the station.
  • The estate of a 64 year old woman received a settlement of $425,000.00 after she was struck and killed by a speeding tractor trailer while crossing the street at the intersection of Richmond Terrace and Port Richmond Avenue.
  • A $1,200,000.00 settlement was reached on behalf of a 54 year old man from Staten Island, New York, who, while in the course of his employment as a bus driver, was rear-ended on the Garden State Parkway and caused to suffer injuries to his back and neck as well as a fractured rib and fractured pelvis.
  • A 47-year-old building superintendent who sustained injuries to his head and right side of his body due to a tripping hazard at his job site received a settlement of $300,000.00 from the electrical company performing work at the site.
  • A 43 year old construction worker was caused to sustain injuries to his back, shoulder and hand when the elevator he was riding malfunctioned and dropped 8 floors. He received $350,000.00 in the settlement of his claim against the building owner, maintenance company and elevator company.
  • The administrator of the estate of a 69 year old man who suffered stage four pressure sores while a patient at a Queens nursing home settled the case for $400,000.00 after the man died.
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