If you suffer an injury at work and have to take time off, you may qualify for payments for lost wages under workers’ compensation.
Your wage benefits do not start immediately like your medical benefits, according to the New York Workers’ Compensation Board. You must miss seven full days of work to qualify for these benefits.
How are payments determined?
You will not receive your full pay for each day you miss. The calculation is an average of your weekly wages. Instead, workers’ compensation will use only two-thirds of that average amount. It will then multiply that by your percentage of disability. For example, if you have a total disability, then you will get the full two-thirds of your average weekly pay, but if you are only partially disabled, then you would receive only half of the two-thirds of your pay. There is also a maximum limit on how much you can receive in benefits.
In addition, if you can return to work with limitations and you do not earn your full pay, workers’ compensation may pay you partial benefits. It would depend on how much you make and if it was less than two-thirds of your average pay. For example, if your normal pay is $90 a week and when you return to work you only earn $50, then you may be eligible to receive $10 in benefits to bring you up to two-thirds of your average pay.
When do payments accrue?
While you cannot get payment for lost wages until you miss seven days, you will not receive payment for the first seven days you miss until you miss a total of 14 days.