Frequently asked questions
What does NY workers’ comp cover vs. a personal injury lawsuit?
New York workers’ compensation is a no-fault system that pays for medical treatment and replaces a portion of lost wages—generally two-thirds of your average weekly wage, up to the state maximum—regardless of who caused the accident. A personal injury lawsuit, by contrast, requires proving someone else’s negligence but can recover damages for pain and suffering and full lost earnings. In most on-the-job injury cases you are limited to the workers’ comp system, but if a third party (such as a contractor or equipment manufacturer) caused your injury, you may also have a separate civil claim.
Can an insurance company deny my workers’ comp claim?
Yes. New York workers’ comp carriers routinely controvert claims—disputing the injury, questioning whether it occurred at work, or challenging the degree of disability. Once a claim is controverted, the case goes before a Workers’ Compensation Law Judge at the New York Workers’ Compensation Board. An experienced attorney gathers medical evidence, deposes witnesses, and argues the hearing on your behalf, significantly improving the odds that benefits are awarded and continued.
What if my employer disputes my injury or fires me for filing?
Employers and their insurers may challenge the compensability of your injury, argue it was a pre-existing condition, or claim you violated a safety rule. New York law also prohibits retaliation against workers who file a workers’ comp claim, and firing or demoting someone for doing so can give rise to a separate legal action. A workers’ comp lawyer protects you on both fronts—defending your right to benefits before the WCB and advising you on anti-retaliation remedies if your employer retaliates.
How long do I have to file a workers’ comp claim in New York?
New York law gives injured workers two years from the date of the accident (or from the date they knew or should have known an illness was work-related) to file a claim with the Workers’ Compensation Board. Missing this deadline can permanently bar your right to benefits. You should also notify your employer in writing within 30 days of the injury; failing to do so without a good reason can weaken your claim. Acting quickly and involving an attorney early prevents procedural mistakes that could cost you your case.