Workers' Compensation

All RF Employees are eligible for Workers' Compensation benefits and the RF pays the full cost of coverage. If you are unable to work because of an injury or illness directly caused by your job, you have the following options regarding the use of leave accruals and Workers' Compensation benefits:

• You may use sick leave accruals and remain on the RF payroll from the first day of disability through your current appointment period, or until your sick leave accruals are exhausted, whichever comes first.
• You may elect to receive Workers' Compensation payments from the first day they are due.
• You may receive Workers' Compensation payments and charge partial leave accruals through your current appointment period in order to maintain your income level prior to disability.

Chubb Insurance Company will make Workers' Compensation payments for medical treatment expenses for an injury or illness directly caused by your job.

Coverage begins the first day of active work.  Income replacement benefits begin seven days after the day the disability begins.

If the disability extends beyond 14 days, income replacement benefits will be paid retroactive to the first day of disability.

If you are eligible for income replacement benefits, you will receive up to two-thirds of your average weekly wages, but no more than the maximum benefit set by the New York State Workers' Compensation Board.

The average weekly wage is based on payroll records for the year prior to the date of disability or accident. Workers' Compensation benefits will continue until your physician approves your return to work. 

File a claim

If you are injured at work or experience a work-related illness, immediately report the incident to your supervisor, who should notify your campus benefits office. The campus benefits office will file a claim on your behalf. 

Continue your insurance coverage

The Health Care, Dental Care, Vision Care and life insurance benefits will continue in effect when you become disabled while you are receiving income replacement benefits for a total disability, subject to the terms of those plans.

Refer to the Healthcare "Continue Your Benefits" section of the RF Benefits Web site for Regular Employees or Graduate Student Employees, as appropriate, for more information on Health, Dental, and Vision Care coverage continuation.

Refer to the Life Insurance section of the Benefits Handbook for more information on life insurance coverage continuation for Regular Employees.