So I've been out of work for about a month after messing up my wrist at a warehouse job, and my employer's insurance is sending me these small weekly checks that don't even cover half my rent. I tried calling the adjuster to ask if this is right, and she just said "it's based on your average weekly wage" but wouldn't explain the math. I've been digging around online to understand what Workers Compensation Benefits in Catskill NY typically include besides just lost wages – like, should they be covering my travel to physical therapy? What about the mileage? And do I get anything for permanent damage if my wrist never fully heals? I found a local law firm's website that had a FAQ section, but I'm still fuzzy on the difference between temporary disability and permanent partial stuff. Has anyone here successfully gotten their benefits adjusted because the insurance was lowballing them? I don't want to hire a lawyer yet if this is all normal, but I also don't want to get ripped off. Any insight would be huge.