By law, workers’ compensation insurance in New York State will provide payments that (i) replace a portion of an employee’s lost wages when they are unable to work due to employment-related injuries; (ii) reimburse certain medical expenses incurred by the employee for treatment of those injuries; and (iii) provide death benefits if the employee dies as a result of his or her injuries.
Notwithstanding this coverage, an injured employee should not assume that these benefits will pay for all medical bills. Many workers’ compensation insurance companies will deny payments, for example, for services that are not deemed to be medically necessary.