Workers Compensation in New York
State-specific overview · Employment Law
New York mandates workers' compensation for most employers and provides generous wage-replacement benefits.
How New York treats Workers Compensation
New York requires nearly all employers to carry workers' compensation insurance through private carriers, the state fund, or self-insurance. The state offers some of the highest wage-replacement rates in the nation, replacing two-thirds of average weekly wages up to a state-set maximum. Employees must report injuries promptly, and employers must file claims with the Workers' Compensation Board. Coverage includes medical expenses, disability benefits, and death benefits for dependents.
The general definition of Workers Compensation
Insurance that provides medical benefits and wage replacement to employees injured during work.
Workers compensation is a form of insurance that employers are required to carry to protect employees who are injured or become ill as a result of their job. When an employee is hurt at work, workers compensation covers medical expenses, rehabilitation costs, and a portion of lost wages while the employee recovers. In exchange, the employee generally gives up the right to sue the employer for the injury. The system is designed to provide quick, predictable benefits without the need for a lawsuit. Benefits vary by state and depend on the severity of the injury.
Read the full Workers Compensation entry →This page is a plain-English reference and is not legal advice. State laws change frequently. For specific situations consult a licensed attorney in New York.