When to File a Report of Injury
The WCB requires employers to complete the C-2F form, Employer’s First Report of Work-Related Injury/Illness,
for all injuries, including minor injuries (Note: WCB replaced the C-2 with the C-2F).
Employers must retain each C-2/C-2F on file for 18 years, for both reportable and non-reportable
injuries/illnesses. However, not all injuries must be reported to the WCB and NYSIF.
Group members should contact Sieger & Smith immediately upon learning of a work-related injury so
that we can assist you in the reporting process.
Minor/Non-Reportable Injuries
If an injury is minor, requiring two or fewer treatments by a person rendering first aid, and with lost
time of less than one day beyond the end of the working shift on which the accident occurred,
it does not require reporting to the WCB or NYSIF. In this case, the employer may choose to
self-pay the treatments directly to the provider. Any injury/illness exceeding these parameters is
reportable to the WCB and NYSIF. In the event a minor injury escalates to a reportable injury,
the employer must immediately report the injury to its NYSIF and WCB.
Reportable Injuries
All other injuries not fitting the above parameters are reportable and must be reported to the WCB and NYSIF.
Employers must file the C-2F with the WCB and NYSIF within 10 days after the
occurrence of the accident. Employers must also provide a Claimant Information Packet to injured employees for
reportable injuries. NYSIF policyholders may file the electronic First Report of
Injury form (eFROI) on-line with NYSIF which satisfies the policyholder’s reporting requirements to NYSIF and
WCB. Sieger & Smith provides assistance to group members with eFROI filings.
Failure to file a reportable injury with the WCB and NYSIF within 10 days after the occurrence of the
accident is a misdemeanor and may be punishable by a fine and a penalty.
Employees who have sustained a work-related injury or illness should notify their employer, as soon as possible.
An employee’s failure to notify the employer, in writing, within 30 days after the
accident date may result in a denial of benefits. For more information, please visit the WCB website.
What is an Experience Modification and how it is determined?
The experience modification is calculated by comparing your actual claims to your expected claims based on your payroll and industry classification codes. If your actual claims are more than expected, an additional premium is charged due to a debit experience modification factor greater than 1.00, and if they are less than expected, there’s a reduction in premium due to a credit experience modification factor less than 1.00. Experience modifications are calculated annually by the New York Compensation Insurance Rating Board regardless of which carrier insures you.