New York Workers' Compensation is an intricate area of law that is often subject to a number of misconceptions. This site is intended to help readers seeking clarification on the topic of NY Workers' Comp. Whether you are an injured worker lost amidst the complexities of Workers' Comp, a doctor who is not sure how to properly handle a Workers' Comp patient's file, or simply a curious New Yorker who worries about what would happen if you were ever injured on the job, I hope that the content of this site will deliver the answers you seek, even to questions you didn't know to ask.

It is my pleasure to welcome you into the world of New York Workers' Compensation. I hope you enjoy your visit, spread the word, and come back soon.

Best regards,

Camila P. Medici, Esq.

Tuesday, October 12, 2010

I'm Injured and I Can't Afford My Bills!!!

Whether you are receiving benefits but they just don't add up to what you were making, or you are currently not receiving any benefits because your claim is being disputed or the case has not yet been indexed, you probably feel stressed, angry, and hopeless. 

Most clients are concerned about how they pay their bills while recovering.  THE INSURANCE COMPANIES RELY ON YOUR NEED TO GET WELL AND GET MONEY!  They know you are anxious, may be out of work, and have mounting medical bills.  Therefore…

We offer these suggestions:

  1. Be up front with your medical providers.  Tell them you will be glad to have our office send a letter assuring them of payment at settlement.  If you go to a Workers’ Compensation doctor, he/she will already know the drill, and will already know that their bills do not get paid right away for the most part.  They still are not allowed to charge you for visits related to the work injury.  Making you pay would be illegal.
  2. If you are out of work or need financial assistance, this is the time to rely on your family or friends.  The insurance company will not advance money to you.  You may need to secure a loan.  Just remember that it will have to be paid back!  Don’t wait until you are in a crisis to know that you are having financial problems.  Anticipate the loss of income and plan for it.
  3. You would not hesitate to help someone else, so this is the time to let others help you.  There are a great number of programs available in your area through churches or governmental agencies, which help people when they find themselves in dire circumstances.  Do not be afraid to ask for help! 
  4. Your attorneys are not allowed to loan you money.  We could lose our licenses for this!  Please understand that although we sympathize with your situation, and will try to help you in every way that we can, loaning you money is not an option. 

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