Category: Workers Compensation

If you want to prepare to cover your employees for potential exposure to biohazardous materials at work, Access Legacy Insurance Group in Brooklyn, NY is here to help. Our agents are happy to assist you with figuring out how our worker’s compensation policies might be able to cover the costs of these types of emergencies.

Although every policy has specific terms and limits, we can speak to general coverage for worker’s compensation policies to inform your decision-making process.

What is worker’s compensation?

Worker’s comp, also known as “worker’s compensation insurance,” exists to cover injuries and illnesses related to workplace injuries and hazardous exposure. In general, worker’s comp may be able to cover medical expenses, loss of wages, continuing medical care expenses, and funeral costs. Each policy has specific terms and limits, so you’ll need to review the terms outlined in your policy to know exactly what your worker’s comp insurance covers for your employees.

Can worker’s compensation insurance cover immunizations for work-related exposure?

Depending on the type of hazard and injury, worker’s comp may be able to cover vaccinations related to the exposure. As long as the immunization doesn’t count as first aid and does count as medical treatment, it may be covered by worker’s compensation. For example, tetanus immunizations could be considered first aid. Because of this, they may not count for coverage under worker’s compensation in some cases. Some immunizations such as rabies or hepatitis b vaccinations could be medical treatment. Because of this difference, they might be covered by worker’s compensation insurance. You’ll have to take a look at your worker’s compensation policy terms for details.

Contact Us Today

If you’re interested in our worker’s compensation insurance policies at Access Legacy Insurance Group in Brooklyn, NY, call our office today.

Workers’ compensation insurance from Access Legacy Insurance Group is designed to protect employees from potential injury or illness that may occur while on the job. It provides coverage for medical expenses, lost wages, and other damages related to a workplace incident. Depending on the policy, workers’ compensation may also cover costs associated with rehabilitative services and death benefits.

Benefits of Workers’ Compensation

The most important thing to remember is that workers’ compensation insurance is meant to protect an employee in case of an accident or unexpected injury while in the Brooklyn, NY area or on any job site.

By having this coverage in place, employers can be assured that their employees will be taken care of should anything go wrong. Workers’ compensation insurance is essential for any business and can help provide peace of mind knowing that everyone in the workplace is safe and protected. With the right protection in place, employers can rest easy knowing that their employees will be taken care of if something were to happen.

From medical bills and lost wages to rehabilitative services and death benefits, workers’ compensation insurance provides much-needed peace of mind for everyone involved. It’s important to understand exactly what is covered by a workers’ compensation policy, as each policy varies. The policy also covers legal fees associated with workers’ comp cases. Additionally, if a worker is unable to return to work due to an injury or illness, the policy may provide long-term disability benefits. 

Reach Out To Us

Workers’ compensation insurance can be beneficial in protecting employers from employee lawsuits and other liabilities that may arise due to workplace accidents or injuries. For more information, give us at Access Legacy Insurance Group a call today. We proudly serve the Brooklyn, NY area. 

Accidents on the job can have lasting consequences for workers. Often, workers don’t have full control over the conditions they work in or the actions of other employees. The potential for injury and the employer’s responsibility can frequently lead to a worker’s compensation claim. Did you know, however, that not all New York worker’s compensation benefits are the same?

Access Legacy Insurance Group serves Brooklyn, NY in providing guidance and support for workers’ compensation as directed by New York state law.

Worker’s Compensation Benefits

Health Care

Health care compensation refers to the medical care and costs required to get you back to your previous working condition. In some cases, this may be as simple as covering a physician visit and a few stitches, in others this may involve ambulance rides and long-term rehabilitation. No matter the injury, if you were hurt on the job you may have a compensation claim. 

Lost Wages

Lost wages often occur with workers’ compensation claims, since injuries can prevent you from doing your normal job duties. Whether these injuries are temporary or long-term, you deserve to be compensated for accidents that aren’t your fault. Lost wage restoration can help you regain your financial footing, and may even help protect your job.

Survivor Benefits

A workers’ compensation claim relating to death is the most severe and tragic of workplace accidents. The worker has lost their long-term earnings and savings potential amidst this family grief. Yet while tragic, these accident survivors still have bills to pay and lives to live. Survivor benefits help ensure that the remaining family and partners of workers’ accidents can recover from the financial burden of this event.

Get The Right Coverage Today

Access Legacy Insurance Group serves Brooklyn, NY. Get the compensation you need — contact us today!

If you work in a dangerous environment in Brooklyn, NY, your employer likely has a workers’ compensation insurance policy. To be on the safe side should the unfortunate happen and you get injured or ill because of your workplace, knowing how to file a claim under the workers’ compensation policy is handy.

Here’s how to do it:

Step 1: Report the Workplace-Related Injury or Illness to the Employer

As soon as you get injured at your workplace or your doctor confirms that you are getting sick because of your workplace, report the injury or illness to the employer. In New York, you are required by law to inform your employer of workplace-related injury or illness within 30 days after it occurs or receiving a diagnosis. 

Step 2: The Employer Will Help Your Fill Necessary Paperwork for the Workers Compensation Insurance

After informing your employer of your injury or illness, they will tell you about your rights, the workers’ compensation benefits available to you, and their return to work policy. Make sure you provide details on the nature of your injury and where and when it occurred. At Access Legacy Insurance Group, we advise you to provide medical reports on the injury or illness. The employer may also ask you to fill an injury report to present to the state’s workers’ compensation board.

Step 3: The Employer Reports the Injury to the Insurer and Files the Claim

In most cases, your employer, not you, is responsible for filing a workers’ compensation claim and other supporting documents to the insurer. The insurer will review the workers’ compensation claim and either approve it or reject it. If it’s rejected, you can request the insurer to reconsider the claim or file a formal appeal with the state workers’ compensation board. 

Give Us A Call

Do you need more info on workers’ compensation insurance in Brooklyn, NY? Contact Access Legacy Insurance Group today.

When your business grows and you hire employees, your company will need workers’ compensation insurance. Let Access Legacy Insurance Group, serving Brooklyn, NY, help you obtain this insurance, as required by each state.

What is workers’ compensation insurance?

Workers comp policies, as they’re also called, insure your business against the costs of medical care and settlements related to on-the-job injuries and illnesses. If your employee gets hurt while performing their job duties, the workers’ comp insurance pays for their injury treatment and pays a percentage of their wage if they must miss time from work for treatment or recovery.
By purchasing workers’ comp insurance, you save yourself the out-of-pocket expense of paying a legal settlement. Workers comp provides a reliable method for your employees to obtain injury treatment, rehabilitative care, and a settlement for their injuries if the accident or illness caused permanent damage.

How Workers Comp Works

This type of insurance protects your employees since they know that if they slip and fall at work, whether they sprain an ankle, or break their leg, the insurance provides for their medical care without them needing to solely rely on their medical insurance. It also means that while they cannot work, they still receive a portion of their pay.

The workers’ compensation program provides a safety net for their health. When they incur an injury, they first go for emergency treatment. As soon as possible after they have received emergency medical care, they should file for workers’ comp by filling out the paperwork provided by the human resources department or available from the NY workers’ comp website. It covers hospital stays, doctor visits, medical equipment, etc.

Let Access Legacy Insurance Group, serving Brooklyn, NY, help you easily meet state legal requirements for workers’ comp insurance. Contact us today to discuss your insurance options.

If you have questions about worker’s compensation for your Brooklyn, NY firm, we at Access Legacy Insurance Group can help you to understand these options better.

Employers Pay for the Policy 

Anybody who hires an extensive range of employees must pay for compensation insurance. If they don’t, they’re likely to get various assessed fines that will be much more than the insurance cost. 

Policies Protect Against Injuries 

High-quality workers compensation policies will pay for an employee’s injuries if they’re suffered at work. In addition, they help to support them financially and give them medical treatment as well. 

Coverage Helps Employers 

Employees who get compensation benefits will be able to pay medical bills and recover from injuries. Then, they can get back to work, benefiting the employer by minimizing retraining needs. 

Decreases the Need for Lawsuits 

Employers may find themselves in a serious lawsuit if they don’t have compensation insurance. However, with it, they can use these payments to keep their employees happy and secure. 

Injury Coverage Varies 

Your policy will cover things like carpal tunnel syndrome, slips, and falls, injuries while driving for work, physical injuries caused at work, and serious physical damage caused by working conditions. 

Policies Don’t Cover Some Situations 

If employees hurt themselves deliberately to get coverage, broke the law when getting hurt, or were not on the job at the time, they will not get covered by this type of insurance. 

Even Independent Contractors May Get Help 

Depending on where you live, independent contractors who get injured due to their work duties may be able to get some type of worker’s compensation coverage. 

Get Great Coverage Today 

Please call us at Access Legacy Insurance Group near Brooklyn, NY, to get worker’s compensation insurance. You’ll never regret this intelligent decision.

If you are an owner or manager of a company in Brooklyn, NY, having proper insurance in place is very important. A quality insurance plan can protect your business assets and give liability protection. One type of insurance that a business should not overlook is workers comp insurance. There are several situations when a business should get a workers comp plan in this area of New York.

Those that Want to Comply with Law

Similar to many other states, New York has some specific and strict workers’ compensation insurance laws. In this state, all businesses are required to obtain workers comp insurance to protect their staff. Even if you have only part-time employees or family members, having this coverage is required. If you do not maintain this coverage, you could face stiff penalization.

Those that Want to Protect Staff

Even if you were not obligated to get the coverage, you should still obtain it to protect your employees. With proper workers’ compensation insurance, you will know that your team is covered at all times. This way, if someone is hurt while working, your policy will ensure they receive the medical care and reimbursement for missed wages while they recover. 

If you would like to purchase a workers comp insurance plan and are in the Brooklyn, NY area, you may have questions about your needs and options. The Access Legacy Insurance Group team is a great resource for you to call when you are looking for a new plan. Access Legacy Insurance Group can assess your situation to determine your worker’s comp needs. We can then answer your questions and give you any support needed to choose an ideal plan for your situation.