As a self-insured business owner, one of the primary concerns you might have is to ensure that all claims you pay for worker injuries are valid. Unfortunately, fraudulent claims are possible. It is sometimes difficult to spot fraudulent workers' compensation claims,...
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New York Workers’ Compensation Blog For Small Business Owners
How does New York penalize companies without workers’ comp?
Running a business can be very expensive. Especially when the economy isn't strong, companies often look for any way to cut costs. Choosing not to carry workers' compensation insurance to save some money is a gamble that some companies knowingly take. They may operate...
Don’t pay a single invalid workers’ compensation claim
Most of the time, injured workers have valid claims. After getting hurt on the job, they simply want to get the medical treatment they need to recover and get back to work. Sometimes, however, an employee will try to claim workers' comp for an unrelated injury -- like...
What’s the “coming and going” rule?
A lot of people mentally calculate their commute time back and forth from their job as part of their work day -- but it isn’t. The “coming and going” rule says that employees are only covered under workers’ compensation once they get to their employer’s premises. That...
What is the New York Civil Service Disability Pension?
Municipal workers in New York who have conditions that stop them from working have a few types of disability programs to consider. Some of these individuals might be eligible to receive benefits through the New York Civil Service Disability Pension. Here are the...
Can a worker’s health insurance company come after your business?
When one of your employees got hurt on the job, you probably felt nervous about it. A workers' compensation claim could increase your premiums. A claim when you self-insure could mean direct financial losses. The injured worker may have assured you that they didn't...
Protecting your insurance company takes effort and skill
Workers' compensation insurance providers are facing a lot of pressure right now. With the economy shrinking, it's more important than ever to cast a critical eye over potentially fraudulent or invalid injury claims -- while still making good decisions on others....
Misclassification of employees: A common problem
Employees are sometimes misclassified. Misclassification can cause some problems, but it tends to go unnoticed. The real question is how businesses can make such a significant mistake. Why do they misclassify employees, and what happens if they do? Employers commonly...
Telework’s impact on job-related injury claims
Many businesses have workers who are doing their job duties remotely. That makes it difficult to ascertain whether an injury reported by the employee is really job-related or not. There is a plethora of situations that might prove to be challenging to sort through....
Understand how to protect your self-insured company
Small business owners have a lot to think about when they're doing business in New York. For some, the desire to self-insure instead of trying to navigate the workers' compensation insurance system is one of the challenges they face. We know that this is sometimes a...
