Key Things to Know About Worker’s Compensation Insurance

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Robert Golan

We have some Q & A action in this blog post where we dive in deep to look at your questions.

Do you often wonder who will cover your medical bills if you have experienced an injury as the result of a workplace accident?

The Worker’s Comp insurance company with whom your employer has a policy is 100 percent responsible for all medical charges connected to your work injury considered reasonable and necessary. You pay no deductibles or co-pays. You are never responsible for paying any part of your medical costs, including ambulance service, physicians, hospital stays, tests, crutches, physical therapy and prescription medications. All medical expenses outlined as necessary and reasonable in the Workers’ Compensation Board Medical Guidelines are covered.

Once you inform your medical provider that your injury is work-related, he or she cannot ever demand direct payment from you or your regular medical insurance policy. Don’t be intimidated. A judge at the New York Workers’ Compensation Board can determine verification of your work-related injury. Most New York medical providers accept workers’ compensation insurance, including some of the top hospitals. Call our Queens work accident compensation lawyer today for a free consultation regarding obtaining workers’ compensation medical treatment.

Should you agree to interviews with any insurance company nurse case managers, investigator or claims examiner?

Absolutely not, because these people are not working for your benefit. The goal of insurance investigators is to give you as few benefits as possible. Providing them with any information about your injury works against you. It’s extremely important you speak to a reliable Queens work injury compensation lawyer first! Contact Robert Golan, PC, today for expert guidance.

When you visit your workers’ comp doctor, should an insurance company nurse case manager accompany you?

You are entitled by law to medical privacy with your own doctor in any case involving New York Workers’ Compensation. We forbid nurse case managers from accompanying our clients to doctor’s appointments or examinations. These individuals have no right to contact your doctor directly or send him or her forms that might reduce your claim. Call us immediately if the insurance company has begun contacting your doctor.

Should you sign any medical releases provided by the worker’s comp insurance company?

Never! Unless we advise otherwise, destroy these forms.

Contact Our Queens Work Accident Compensation Lawyer, Robert Golan, PC for a Consultation

If you think you have a case or even if you aren’t sure, contact Robert Golan, PC, for a consultation at 516-586-3910.

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