New York State permits employers to pay out-of-pocket for minor workplace injuries that only require first aid. This option applies when:
- The employee has two or fewer doctor visits
- There is no lost work time
Even in these cases, it's essential to submit the C2 form to your insurance company. When speaking with the claims adjuster, be sure to mention that you're covering the costs out-of-pocket and request that the claim be marked as “incident only.”
This approach helps ensure that small claims don’t impact your experience modification rate, keeping your insurance costs in check.