WORKERS' COMPENSATION FAQs
Our Safety Group offers services to group members including performing claim reviews and advisement, loss control support, as well as assisting with underwriting, auditing, billing, policy and Workers’ Compensation Board issues. Our primary goals are to promote safety, reduce worker injuries which will save you money and produce aggregate group results sufficient to generate a dividend for our group members.
Group 533 – Woodworkers Association of New York State Inc. -Woodworking, lumberyards and building material dealers.
Group 534 – Association of Contractors & Fabricators of New York Inc. – Contractors and fabricators, including almost all types of contractors.
Group 501 – Association of Plumbing Heating Cooling Contractors Inc. – Plumbing, heating, and cooling contractors.
Every case is different. If you are subpoenaed to testify it will be for an issue you have first-hand knowledge of. For example, the supervisor is the best to testify in regards to first notice of injury and a coworker would be the best to testify in regards to a witness to the injury. Any hearsay will not be accepted by the Workers Compensation Law Judge. It is important to be on time, dress appropriately, and practice what you want to say beforehand.
http://ww3.nysif.com Once you have registered, the New York State Insurance Fund will provide you with a password. Upon completion of this process you will have access to create, print, and email certificates of insurance when it is convenient for you.
Or you can always get certificates by emailing us at certificates@hamondgroup.com.
“The New York Construction Classification Premium Adjustment Program (CPAP) is a program implemented by the New York Compensation Insurance Rating Board in 1993 in order to address premium differences between high wage and low wage paying employers in the construction industries. At that time it was noted that although both high wage and low wage employers performed similar work, the high wage employers were paying a disproportionate premium solely due to the wages that they paid their employees. This disproportionate premium payment affected the ability of the high wage paying employers to obtain jobs when their workers’ compensation costs were higher than those of the lower wage paying employees, despite having similar risk to injury on jobs. This program attempts to close the premium differential by granting credits on policies based on the hourly wage paid by employers. The higher the wage paid then the higher the credit, which would offset the disparity in payrolls and allow for a more equitable premium charge for those employers in the same industries.”
The CPAP credit must be applied on an annual basis. In order to be eligible to apply, your company must be experience rated for the policy term the credit applies to. Your policy must also contain at least one of the following classification codes:
0042 3365 3724 3726 3737 5000 5022 5037 5040 5057 5059 5069 5102 5160 5183 5184 5188 5190 5193 5213 5221 5222 5223 5348 5402 5403 5428 5429 5443 5445 5462 5473 5474 5479 5480 5491 5506 5507 5508 5536 5538 5545 5547 5606 5610 5645 5648 5651 5701 5703 5709 6003 6005 6017 6018 6045 6204 6216 6217 6229 6233 6235 6251 6252 6260 6306 6235 6251 6252 6260 6306 6319 6325 6400 6701 7536 7538 7601 7855 8227 9526 9527 9534 9539 9545 9549 9553
If you would like more information, or to confirm eligibility, please contact us at 516-488-2800, or email ryu@hamondgroup.com.
• Identify the company representative that you have designated to supervise the inspection, and inform the inspector that all inspection activities should be coordinated through your designated representative, no one else.
• Don’t be afraid to ask questions, including why your facility or worksite was chosen for inspection (employee complaint, referral by another agency, etc.).
• Ask to see a copy of the written complaint if there is one.
• Confirm with the inspector what he or she wants to see and do, and how long he or she expects to be at your workplace. Be courteous, but keep the inspection moving toward completion.
• Reach an understanding with the OSHA inspector that the inspection will be limited to the areas or conditions listed in the complaint or referral. For example, if an employee files a complaint about defective forklifts in the warehouse, then the inspection should be limited to forklifts in the warehouse, not other areas. The OSHA inspector will usually investigate other observed violations in “plain view” during the investigation, but your company representative should not be afraid to object if the inspector wants to expand a limited investigation into a lengthy “wall-to-wall” inspection, without justification. Contact our safety division for further advice on OSHA inspections at 516-762-4224.