What are the four types of benefits in workers’ comp in New York?

In New York, the workers’ compensation system is designed to support employees who suffer work-related injuries or illnesses by providing financial and medical benefits. Four main types of benefits in workers’ comp cover various needs, from medical care to financial support during recovery or in the event of permanent impairment. Understanding these benefits is crucial for employees and employers, ensuring that you receive appropriate support.

If you were hurt at work, contact a New York workers’ compensation lawyer at The Weinstein Law Group.

1. Medical benefits

Medical benefits cover the full cost of medical treatment for injuries or illnesses directly related to the worker’s job. This includes hospital visits, doctor appointments, medication, physical therapy, and necessary medical equipment. There are no time or monetary limits on medical benefits; they continue as long as the treatment is necessary and related to the work-related injury or illness. Workers have the right to choose their healthcare provider, although there are specific guidelines and networks they may need to follow to ensure coverage.

2. Cash benefits for lost wages

When an injury or illness prevents an employee from working, cash benefits are available to replace lost wages partially. These benefits are categorized based on the nature and severity of the disability:

Temporary total disability (TTD)

Provided when the worker cannot work for a temporary period. The benefits are typically two-thirds of the worker’s average weekly wage, up to a maximum limit, and continue until the worker can return to work or reach maximum medical improvement (MMI).

Temporary partial disability (TPD)

This applies when workers can still work at a reduced capacity and lower earnings. Benefits are calculated based on the difference between the worker’s average weekly wage pre-injury and their earning capacity post-injury.

Permanent total disability (PTD)

For workers who are permanently and totally unable to return to any form of employment due to their injury. Benefits are similar to TTD but can continue for life.

Permanent partial disability (PPD)

For workers who suffer a permanent injury that partially limits their ability to work. New York uses a schedule for certain injuries (e.g., limb loss) to determine the duration and amount of benefits. Non-scheduled injuries (e.g., back injuries) are compensated based on the worker’s residual wage-earning capacity.

3. Supplemental benefits

Supplemental benefits are available to certain recipients of PPD and PTD benefits and survivors receiving death benefits. These benefits are designed to provide additional financial support to those with long-term or permanent impacts from their injuries, particularly in cases where the injury occurred before certain dates and the benefits are below current levels due to historical maximum limits.

4. Death benefits

If a work-related injury or illness results in death, the worker’s dependents may be eligible for death benefits. These benefits include a portion of the deceased worker’s wages (typically two-thirds of the average weekly wage) and are paid to the spouse, minor children, or other dependents. The benefits also cover funeral expenses up to a certain amount. The duration and amount of the benefits depend on the relationship to the deceased and other factors.

We’ll work to get you full compensation

The four types of benefits in workers’ comp in New York are designed to ensure that employees who suffer work-related injuries or illnesses receive comprehensive support. Understanding these benefits is essential for both employees and employers to ensure that the rights and well-being of injured workers are protected.

If you were hurt at work, let us protect your rights and work towards recovering full compensation. Call The Weinstein Law Group at (212) 741-3800 today.