Workers’ Compensation in New York State is mandatory insurance coverage for most workers. With few exceptions, any worker who is injured, disabled or effected by their work environment is protected by this coverage. Such protection involves medical treatment and indemnity payments for lost wages. In some cases, in addition to lost time from work, indemnity payments may also apply for permanent limitations known as schedule loss of use with court directed awards for same. In other cases, permanency my entitle such workers to continuing medical payments and treatment with further awards for continuing loss of wages or reduced earnings subject to law changes and applications dependent upon the date of the accident. Rates for losses and limitations are subject to case law, statutory law and their interpretations. It is usually best to consult a lawyer about your specific issue for individual applications that effect your injury or problem.