Quick answer
Document both medical work restrictions and actual income loss, and investigate available benefits promptly.
Do now
Keep provider instructions, employer attendance and wage records, benefit applications, and self-employment records if applicable. Ask which insurer or compensation system handles the benefit and what submissions are required.
Watch for
A liability claim, no-fault wage benefit, workers’ compensation, and employer disability plan have different requirements. Do not assume one application opens every other benefit claim.
Official sources
NY DFS — No-Fault FAQs, NJ Labor — Injured Worker Protections, NY WCB — File a Claim, DC DOES — Employee Rights and Obligations.