WHAT ACCIDENTS ARE COVERED BY WORKERS’ COMP?

Travel to and from work

The normal rule is that accidents occurring while traveling from home to work or from work to home are not covered by Workers’ Comp. Two common exceptions include:

1. If you have arrived at, or are still on, the premises of the employer (even if you are walking through an entrance or exit), you are covered. When you clocked in or out of work is usually not important.

2. If you are considered an “outside” employee (someone who does not have one fixed place he or she works everyday), you are covered for any accidents while traveling. Examples of outside employees include traveling sales people, visiting nurses, and field workers who do not report to a building but drive around all day.

Parking lots

Accidents in parking lots that have nothing to do with the employer are generally not covered. But if the accident occurs in a parking lot where the employer told the employee to park, is designated for employees to park, or is customarily used by employees to park in, then accidents and on the way from the lot to the building or the building to the parking lot are covered.

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OCCUPATIONAL DISEASES AND INJURIES

There are two types of Workers’ Compensation claims in New York: accidents and occupational claims. Accidents happen at a specific date and time (I hurt my back at 4:15 pm on July 7).

Occupational claims are diseases and injuries that occur over a period of time that are common (inherent) to your occupation and are caused by your work.“

There are two types of Workers’ Compensation claims in New York: accidents and occupational claims. "Common types of occupational injuries/diseases are asbestosis, silicosis, carpal tunnel syndrome, and hearing loss. (There are actually dozens of occupational diseases listed and recognized by the WC law itself.)

Examples of occupational diseases

• A computer technician develops carpal tunnel syndrome from typing all day.

• A steamfitter develops bilateral shoulder problems from repetitively tightening pipes with his arms.

• A jackhammer operator develops hearing loss from—well, you get the picture. Obstacles when filing occupational disease (OD) cases in New York include the following:

1. Most employers will insist that you put a date of accident on an incident report. Occupational claims don’t have a date of injury until after the Judge decides what the date should be.

2. Many WC doctors don’t understand how to write a proper medical report for an OD case.

3. The C-3 form doesn’t have a section to indicate that you are filing an OD case. (I think it should.)

4. Most OD cases are contested.

5. The time limit for filing an OD case is “two years from the date you became disabled AND knew or should have known that your condition was due to your occupation.” This tricky time limit causes problems in many cases for the injured/ill worker.

6. It’s virtually impossible to handle an OD case without a lawyer.

7. OD cases must be filed against the last employer that caused injury—not the employer that caused the most injury.

8. You may have to have multiple insurance companies come to many hearings to have the judge figure out which carrier is responsible.

9. OD cases take a long time to prove, usually.

10. They’re complicated (see 1–9.) Despite all of these obstacles, you should immediately file both an incident report and a C-3 for an occupational disease as soon as you realize you have one. On the incident report, you can indicate “no date, happened over time, occupational.”

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PROVING DISABILITY

Proving disability is accomplished by submitting medical reports, usually C-4.0 and C-4.2 forms. The tough part for injured workers happens when the carrier produces its own medical reports, called independent medical examinations (IMEs). Any C-4 is considered to prove disability for ninety days from the date of the exam it describes. If a medical report doesn’t contain one of the following things, it doesn’t prove squat:

• A percentage impairment anywhere from zero (not disabled) t0 100 percent (totally disabled)

• A word description of disability. Word descriptions of temporary disability include the following:

• Total (100%)

• Marked (75–99%)

• Moderate (50–74%)

• Mild (25–49%)

• None (0%)

These percentages are completely different from those used to describe SLUs. Be careful not to confuse the two.

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CAUSAL RELATIONSHIP

A “casual” relationship is what you had with the attractive kid in your biology class in high school. I am not speaking here about “casual”—as it is often mispronounced—but rather about “causal.”

A causal relationship is one of four things you have to prove to win a Workers’ Compensation case. It means that the injury or illness was caused by your work. An example of a medical statement that does not comment on causal relationship:

“After lifting heavy cement bags at work for three hours, David sustained a heart attack.” Workers’ Comp would say, Uh- uh: no good. Not acceptable. An example of a medical statement that does comment on causal relationship: “After lifting heavy cement bags at work for three hours, David sustained a heart attack.

In my medical opinion the lifting of the heavy bags of cement at work played a part in, and contributed to, David’s heart attack.” Workers’ Comp would say, That is a good statement of causal relationship. The bottom line: The heart attack has to be found causally related by the judge to be covered by Workers’ Comp.

See the difference? That is causal relationship in a nutshell. Generally, a medical report is no good in workers’ comp unless it contains a statement of causal relationship. Accident, Notice and Causal Relationship Accident, Notice and Causal Relationship (ANCR, or for occupational disease, ODNCR) is the acronym for the things an employee has to prove to win the case.

If the judge establishes WORKERS’ COMP IN NY MADE SIMPLE ANCR, then your case was officially determined to be covered by Workers’ Compensation.

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