Chapter § 5.14

• Jurisdiction: New York

[5.14] What does workers' compensation insurance cover?

When employers buy workers' compensation insurance, the carrier is assuming the employer's statutory obligation to pay medical, indemnity, and death benefits under the law, including the following: (i) medical services; (ii) temporary disability payments to the employee to help replace lost wages; (iii) permanent disability payments to the employee to compensate for permanent effects of a workplace accident or illness; (iv) a death benefit for the employee's survivors in the event of a fatal injury; and (v) legal representation for the employer by the insurance carrier.

When an employee's on-the-job injury or disease is eligible for workers' compensation coverage, that coverage is the injured or sick employee's sole...