Law Offices of William Cafaro

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Law Offices of William Cafaro

FAQs About Coverage for Workers Comp Accidents

Basic Information About Workers Compensation

FAQs About Coverage for Workers Comp AccidentsWorkers compensation insurance covers medical expenses and lost income if you’ve been hurt on the job in New York. Virtually all New York employers must carry workers comp insurance.

Who Is Covered by Workers Compensation in New York?

Employers with for-profit businesses must carry workers comp insurance. The employees that the insurance covers includes:

  • Full-time employees
  • Part-time employees
  • Borrowed employees
  • Leased employees
  • Family members and volunteers working for the business
  • Domestic workers employed for 40 or more hours per week by the same employer (including full-time sitters or companions or live-in maids)
  • Farm workers employed by employers who pay $1,200 or more for farm labor per calendar year

In addition, workers compensation covers State of New York employees along with some volunteer workers, public school teachers and aides, and county and municipality employees doing work defined as “hazardous.”(Reference: New York State Workers Compensation Board)

What Type of Disabilities Does Workers Compensation Cover?

The disability must be work related: either an accidental injury that occurs as a result of the course of employment or an occupational disease.

What Is an Occupational Disease?

An occupation disease occurs as a result of exposure to work conditions. An example is contracting asbestosis while doing asbestos removal.

If You Are Injured on the Job, What Should You Do?

Seek Medical Attention

The first thing to do is to receive first aid. If your injury is not an emergency situation, you must see a healthcare provider that is authorized by the Worker’s Compensation Board. Or, if your employer has authorization to participate in a Preferred Provider Organization (PPO) or Alternate Dispute Resolution (ADR) program, you should use the program’s participating healthcare provider, if required. Your employer must notify you and other workers, in writing, giving you all the information about their PPO or ADR programs.

You may need authorization and have to get diagnostic tests and prescription medicine from designated diagnostic networks or pharmacies under contract. Your employer must also provide you with written notice if this is the case.

If the employer does not dispute your workers comp case, the insurance provider will cover your medical expenses.

Notify Your Employer

Notify your supervisor as soon as possible about the injury. You have 30 days from the date of the accident causing the injury to notify your employer. With an occupational disease, you must give notification within two years after being disabled or within two years after you knew or should have known that your disease was work related.

Fill Out and Mail a Form C-3

You must fill out the Form-3, which is a workers comp form and mail it to the nearest office of the Workers’ Compensation Board.

For more information about workers compensation, please see our Work Related Accidents page.

Avoid Drunk Driving Accidents

Avoid Drunk DrivingDesignating Drivers and Other Ways to Prevent Drunk Driving Accidents

Warmer weather is here and more people are taking to the road. That fact alone increases the risk for car accidents.

Warmer weather also means teenagers who have gotten their driver’s licenses are on the road, practicing their driving. Lack of experience increases accident risks for teen drivers and so does the presence of more bicycles, pedestrians and traffic in general.

What About Underage Drinking and Driving?

Mothers Against Drunk Drivers (MADD) reports the following statistics about underage drinking, and the facts are rather alarming:

  • Teens riding with an underage drinking driver are involved in 25% of car crashes
  • Out of the 14 million people who are dependent on alcohol, 95% of them began drinking before they reached 21
  • Teenagers who drink when young are seven times more at risk of being involved in an alcohol-related crash.
  • Over 40% of all 10th graders drink alcohol

However, teenagers are not the age group that has the highest rate of drunk drivers. Drivers between the ages of 26 and 29 have the highest rate of drunk driving incidents (20.7 percent).

What Are Some Practical Ways to Avoid Drunk Driving?

Ways to avoid riding with a drunk driver include:

  • Assign a designated driver who is not drinking
  • Arrange other transportation (Uber, Lyft or taxi)
  • Take your friends keys away from then if they have been drinking
  • Offer your guests at parties other alternatives to alcohol (water, soda, etc.)
  • Serve food along with alcoholic beverages
  • Do not serve alcohol to minors
  • Drive defensively and avoid indicators of drunk drivers (weaving or drifting, wide turns, extremely slow speeds, etc.)

Seek Legal Help if Injured in a Drunk Driving Accident

If you are seriously injured in an accident caused by a drunk driver, you should consult with an experienced personal injury lawyer. You would have the right to recover damages for pain and suffering, medical expenses, lost income, future lost income and other related damages.

 

Labor Law 240 — Falls from Heights

How Does the “Scaffolding Law” Protect New York Workers?

Labor Law 240Falls from heights during construction work often involve falls ladders or scaffolds. However, the differences in falls can be substantial. Workers on ladders may be feet from the ground, whereas workers on scaffolds could be many stories off the ground.

This type of work at heights is so dangerous that the State of New York passed a law, called Labor Law 240, to offer extra protection to laborers, who do construction work at heights.

Labor Law 240 has additional safety regulations that apply when scaffolding or staging is more than 20 feet off the ground or floor. Scaffolds or staging at these heights require safety rails. The scaffolding or staging also must be fastened to prevent it from swaying. Scaffolding should be sturdy enough to bear four times the weight that is placed on it, when in use.

Equipment that Labor Law 240 Requires for Safety Protection

By law, all contractors, owners and their agents (except owners of one and two-family dwellings) involved with construction or building maintenance work must furnish or erect equipment to give laborers proper protection. Equipment includes:

  • Scaffolding
  • Hoists
  • Stays
  • Ladders
  • Slings
  • Hangers
  • Blocks
  • Pulleys
  • Braces
  • Iron
  • Ropes
  • Other protective devices

What Types of Work Does the Scaffold Law Cover?

The Scaffold Law protects workers doing the following work involved with buildings and structures:

  • Erection
  • Demolition
  • Repairs
  • Alterations
  • Painting
  • Cleaning
  • Pointing

Are Many Workers at Risk for Scaffolding Injuries?

OSHA (Occupational and Safety Health Administration) estimates that 65 percent of construction workers in the U.S. work on scaffolds. Close to three quarters of scaffold accidents resulted from the following:

  • Planking or support gave way
  • Employee slipped and fell
  • A falling object struck the employee

Falls from heights can create a crippling injury. Any worker who sustains an injury of this type should contact an experienced personal injury lawyer for help with recovering compensation. For more information, see our Ladder and Scaffold Accidents page.

What Should You Know About Wrongful Death in New York?

Wrongful Death Attorneys in NYWhat Legal Requirements Exist for a Wrongful Death Lawsuit?

Wrongful death is a legal term that indicates a party’s unlawful actions caused a death to occur. Obviously, not every death is a wrongful death. What makes a death wrongful in the eyes of New York State law?

What Elements Are Necessary for a NY Wrongful Death Lawsuit?

To bring a wrongful death case in New York, the following elements are necessary:

  • An individual died (New York State law does not recognize a fetus that dies before birth as an individual, even if a wrongful act killed the fetus)
  • The person died as a result of another’s wrongful act, neglect or failure to fulfill a legal obligation
  • If the person had lived, he or she would have been able to take legal action against the person who was responsible for the harm
  • The person who died must be survived by one or more persons who suffered loss as a result of the death
  • Damages exist that can be recovered by the estate
  • The court has assigned a personal representative, and that person is the only one who can file the lawsuit on behalf of the surviving beneficiaries (exception below)
  • When a personal representatives refuses to bring a wrongful death lawsuit, the surviving family may have an administrator appointed to prosecute the wrongful death on their behalf

Time Limitations

If a criminal action was brought against the same defendant with regards to the wrongful death, the personal representative has at least one year from the termination of the criminal action to file a wrongful death lawsuit even if the two year statute of limitations has expired or if there is less than a year remaining before the statue would expire.

(Reference: New York Estates Powers and Trusts Law, Article 5, Part 4 Rights of Members of Family Resulting from Wrongful Act, Neglect or Default Causing Death of Decedent)

At Sackstein Sackstein & Lee, LLP, we offer a free initial consultation to talk about wrongful death and determine whether grounds exist to pursue a lawsuit.