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With a few exceptions, employers are required to carry New York workers’ compensation insurance. This insurance covers your medical bills if you are injured at work. For instance, if you fall off a ladder in a warehouse or cut your finger while chopping meat in a deli, the policy will cover your injuries. There are some things to keep in mind when making a workers’ compensation claim.
Report the Injury Immediately
If you are injured at work, it is important to report it immediately. Each company has a protocol for reporting injuries. You might need to go to the HR department or your supervisor. If your company has a risk-management department, you might have to report your injury there. Find out where you need to report it and do so as soon as you are injured.
You will likely have to fill out paperwork about the injury. Fill out the incident report so the company can make a claim on your behalf.
Seek Medical Treatment
In case of an emergency, an ambulance will pick you up and take you to the nearest hospital. In other cases, you need to go to the doctor. Your employer might choose the doctor for you. If not, you will need to select a facility that accepts NY workers’ compensation insurance claims. Failing to choose a provider who accepts these claims will lead to claim denial. Then you will have to pay for the health care with your insurance or out of pocket. This is expensive and unnecessary, so make sure you choose a provider that will accept your claim.
Inform the Staff of Your Workers' Comp Claim
When you arrive at the health care facility, you will need to fill out paperwork. Indicate that you were injured at work, and this is a workers’ compensation claim. Then the provider will bill your employer’s workers’ compensation insurance company instead of your insurance. This will save you the headache of having to get the bills rerouted in the future.
Discuss the Injury With Your Doctor
During the exam, discuss your injury with the doctor. Explain how it happened and go over your symptoms. Your doctor needs to properly document the injury to back up your claim. The more information you provide, the easier it will be for the medical professional to provide proper documentation.
What Is Covered by the Workers' Compensation Insurance in New York?
You know that your initial medical exam is covered, but workers’ compensation insurance covers so much more. You will receive coverage for all the care necessary to treat your injury. That includes diagnostic testing, examinations, treatment, and medications. If you require surgery, that will be covered as well. To ensure that you receive the coverage you deserve, keep records. You will need access to your medical records and incident report. You might have to provide this information to the workers’ compensation insurance company if it tries to deny your claim.
What If You Are Billed by a Medical Provider?
In an emergency, you might forget to inform the health care provider that workers’ compensation insurance is responsible for the payment. If you receive a bill, you do not need to worry. Call your health care provider and ask for the bill to be resubmitted to the workers’ compensation insurance agency. Do not pay the bill.
Begin Your Journey to Recovery
If you have been injured at work, you need a reliable provider to care for you. We accept workers’ compensation insurance claims, and we will provide you with the necessary documentation for your claim. Don’t suffer another day with your injury. Get the care you need, so you can start down the road to recovery, call (888) 590-4030 today!
When you have a workers’ compensation case due to a job-related injury or sickness, your treating physician will decide about what medical care you require, when you can go back to work, if you have any permanent disability, and if so, to what degree. However, it there is a disagreement with your employer’s insurance company concerning the extent of your work-related injuries, you might be expected to submit to a medical evaluation with another physician who is—at least theoretically—unbiased.
The result of these examinations, known as independent medical examinations, or IMEs, in many states, including New York, can considerably influence the outcome of your workers’ compensation case and the amount that you will get in benefits. An IME is usually known as a second-opinion examination done by an independent doctor hired by employers or insurance company. Therefore, it is vital to understand how they function and what you can do to dispute an IME report if it hurts the chances of you receiving your worker's comp benefits.
How will the IME Influence My Workers’ Compensation Case and How Can I Dispute the Results?
The IME physician will write a report after conducting a medical exam. It consists of his or her medical opinion while responding to any questions raised by the insurance company in regards to your accident. You or your attorney should obtain a copy of the IME report as soon as possible. The IME results can have a considerable effect on your case. Some workers’ compensation judges and hearing officers frequently perceive IME physicians as “experts” and provide substantial weight to their reports. Others are inclined to consider IME physicians as more impartial than treating doctors—although if that is not frequently the case.
There are situations where you can successfully dispute the findings in your IME report. For instance, if the IME physician’s opinion is based on incorrect facts surrounding the accident or your medical history you should let your attorney know as soon as possible. Your attorney or treating physician will then send a letter to the insurance company clarifying any errors and dispute any erroneous findings. Your attorney can further assist in protecting your interests by filing complaints, scheduling a deposition to interrogate the physician, or asking for another examination.
Get the proper medical care you need and deserve, call (888) 590-4030 today!
Injured at work and received a notice for an IME Notice? Not sure what to do next?
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