Section 110 Minor Medical

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At Lovell Safety Management Co., an effective way for group members to avoid indexing of numerous claims — which results in a higher experience rating assignment — is to assume payment of medical bills for employees’ minor injuries. (Please see instructions below.) Pursuant to Section 110 of the Workers’ Compensation Law employers are not required to report a claim and may assume payment of minor medical bills if the employee:

  • Sustains a compensable injury
  • Suffers no permanent disability as a result of the injury
  • Loses a maximum of one workday beyond the date of injury
  • Requires no more than two treatments by a medical provider rendering first aid

The employer may reap significant financial benefits, through improved experience ratings, by paying the cost of the required medical service. Whereas the employer does NOT have to report the claim to the Workers’ Compensation Board or insurance carrier, if he/she elects to assume payment of the medical costs for minor injury cases, a C–2F form MUST still be properly and completely filled out and kept in company records for 18 years. In addition, the employer should also prepare a Supervisor’s Incident Report Form.


An injured employee should be supplied with a letter of notification to present to the medical provider at the initial visit in those instances when the employer has elected to pay for minor medical. Click here for a sample letter that you may copy onto your company’s letterhead. When you receive a bill from a medical provider, you may submit a copy to Lovell Safety Management so that we can determine to correct amount to pay. Bills for review may be faxed (212-269-6212) or emailed ( to our offices.


In the event an employee eventually starts to lose time from work or requires additional treatment as a result of a work–related injury which was originally treated as a minor medical claim and paid directly by the employer, the employer can legally report the claim using the previously prepared and retained Form C-2F. The carrier cannot deny liability for failure to notify, since the original injury did not require filing.

86 + Years

Safety Group Manager

$1 Billion +

Reserve Savings
To Date

15 + Years

Average NYS WC Experience
for Claims Managers

$25 Million

Reserve Savings
Year To Date

What others say about our Claim Services

We have had a relationship with Lovell since 1989. Lovell is just like having your own private team. There is always someone who can get any information you need from the Workers’ Compensation Board. Help with all claims from filing to closing them out. Having a private nurse available to determine the urgency of the claim and helping in getting these people back to work as soon as possible.

Lovell Safety Management has been instrumental in helping me coordinate safety practices and procedures for our facility. Wael has been responsive and is always available when I have a question or require his presence at our facility. Our company has worked with Lovell Safety Management for many years and their service has always been superior. We would gladly recommend them.

Working as a team with the Nurse Case Manager and our employee, we can control the claim process to best serve all parties both quickly and efficiently. … Our employee feels that the “system” cares and is trying to be of help in making him well and returning him to work. As the employer, we can help control the final cost of our claims by offering modified duty to the employee and we are kept up to date on the status of each claim. The EIP helps cut through the red tape so that our employee can return to work more quickly. It has taken the confusion out of a workers’ compensation claim. It is definitely a win–win situation.

Lovell Safety Management is a service-oriented company. They offer their assistance to us every step of the way.