New Mexico Workers Compensation

New Mexico Workers Compensation

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New Mexico Workers Compensation

 

Quick Guide to Workers’ Compensation Insurance in New Mexico

New Mexico Workers’ Compensation Laws

Multiple New Mexico workers’ compensation laws are located under the state’s revised statutes.  The laws on New Mexico workers compensation Chapter 52 specifically, but the majority of information within this article about workers’ compensation insurance in New Mexico is referenced from the following website under the New Mexico workers compensation Administration. 

Workers’ Compensation Insurance in New Mexico and Exemptions

The following report under the New Mexico workers compensation Administration refers to certain employees who are not covered by workers’ compensation insurance in New Mexico: 

Normally, any employer with one or more employees must provide insurance under New Mexico workers’ compensation laws, but the report under the NM Workers’ Compensation Administration states the following employees are exempt from coverage NM workers’ compensation:

• self employed business owners but may be covered by a certain policies under New Mexico workers’ compensation laws

• employment covered by private insurance plans which provide equal or greater amounts of coverage than workers’ compensation insurance in New Mexico

• an employee who owns 10 percent or more of the stock of a corporation, or an executive of a limited liability company according to New Mexico workers’ compensation laws

• farms and ranchers who spend the majority of their time harvesting, but some farmers may still be covered by New Mexico workers compensation

How do I file a report for my injury under New Mexico Workers’ Compensation Laws?

You need to report the accident to your employee right away for NM workers’ compensation.  There are also certain forms you’ll have to submit for NM workers’ compensation which are located at the following link

If you have any questions about workers’ compensation insurance in New Mexico, you can contact the Ombusman with the information about NM workers’ compensation at the following link

Where can I find more information on New Mexico Workers’ Compensation Laws for Employers?

The following link under the New Mexico workers compensation Administration will provide you with valuable information about claims under New Mexico workers’ compensation laws: 

What Benefits are available in Workers’ Compensation Insurance: New Mexico

An injured worker is entitled to several different kinds of benefits under workers’ compensation insurance in New Mexico: mainly medical benefits and wage loss benefits, but other NM workers’ compensation benefits may apply as well.  These types of benefits under New Mexico workers compensation are explained below: 

1. Medical Benefits - the worker is fully covered for ALL medical expenses related to the work injury under workers’ compensation insurance in New Mexico.  These benefits under NM workers’ compensation are not limited to the compensation for services listed below: 

• doctor and hospital services

• nursing services

• medication

• physical therapy

• medical equipment

• travel mileage to and from medical facilities 

If the accident was severe, workers’ compensation insurance in New Mexico will also cover burial costs.  

2. Wage Benefits - According to New Mexico workers’ compensation laws, a worker is entitled up to two thirds of their weekly wages for the amount of time they are covered.  If a doctor determines the worker has a permanent disability that will impact their level of work in the future, the degree or the permanent disability under NM workers’ compensation will compensate for the difference in wages.

 

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