WORKERS COMPENSATION &
NEW YORK STATE DISABILITY

Virtually all employers in New York State must provide Workers Compensation and NYS Disability (DBL) coverage for their employees whether the employees are fulltime, part time, leased, borrowed or family members. The business owner has the option to include themselves or exclude themselves from coverage.  

Whether the employee is “on the books” or “off the books” the business owner is responsible for having a workers compensation policy in place or face significant financial penalties for non compliance of the New York State Workers Compensation Statutes. Special attention must be paid when hiring a “sub contractor.” If the “sub contractor” does not have their own Workers Compensation policy then any payment to the “sub contractor” will be deemed payroll and subject to inclusion on the employers Workers Compensation policy with a resulting premium charged.  

Workers Compensation benefits are provided for illness or injury sustained during the course of work. Benefits include coverage for Medical Expenses including emergency room, hospitalization, doctor fees, prescription drugs, diagnostic testing, and rehabilitation among other medical related expenses as determined by the Workers Compensation Board.  

Benefits are also paid for Loss of Earnings due to the inability work as a result of a work related illness or injury, and for Partial or Permanent Disability as determined by the Workers Compensation Board. The financial penalties for non compliance are significant and it is your obligation as an employer to comply with the statutes.