In New York, an employer can fire an employee while receiving Workers' Compensation. However, the dismissal cannot be in violation of the Family Medical Leave Act, nor can the reason for dismissal be due to filing a Workers' Compensation claim or for being a witness in another person's claim.
New York State has a not-for-profit insurance agency, the New York State Insurance Fund (NYSIF). The NYSIF competes with other insurers but only provides coverage for Workers' Compensation and disability benefits.
Workers' Compensation rates are dependent on the type of work an employee does and the payroll for that employee. Office workers may cost less to insure than construction workers, for example, due to the risk of injury associated with each role.
In New York, if you miss more than 7 days due to a work-related injury, you can receive compensation of up to two-thirds of your typical wages. The exact percentage is determined by a medical exam wherein your treating doctor assigns a disability percentage, ranging from 0% to 100%.
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Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business:
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