If you suffered an accident or were otherwise hurt on the job, you are typically entitled to workers’ compensation benefits in Massachusetts. These benefits will cover the cost of your medical treatment and a portion of your lost wages while you are out of work.
Medical Benefits Should Start Immediately
Workers’ compensation benefits in Massachusetts are designed to cover your medical treatment related to any work related injury. This is true whether you need an ambulance to get to the ER for surgery or just need a bandage to cover a couple of cuts and scratches. Typically, workers will tell providers that their treatment is for a work related injury. The provider will then bill the employer if it is self insured, or the workers’ compensation insurer.
Getting injured at work is a very serious matter, and you should take it seriously because the injury may be severe. If it is and you are trying to receive workers’ compensation, then these tips are important to consider. They can help you with the claims process, so that you can focus on your health and move on with your life.
Tell Your Manager
Immediately after getting injured, it is important to tell your manager, boss, or the person of authority on duty. Let them know what happened. The manager may have an obligation to record the injury and report it to the insurer and the department of industrial accidents. This is important because it may set in motion the claims process and certain obligations on the part of the employer and/or insurer.
Also, the sooner you report the injury, the fresher the incident is going to be in your head. This will help you to describe the accident as accurately as possible.
Workers compensation is a type of compulsory insurance, provided by employers for their employees, that provides wage replacement, medical expenses coverage and other benefits to employees for injuries arising out of and in the course of employment. As part of the grand bargain that led to employers having to carry this kind of insurance, workers’ compensation law prohibits employees from suing their employers if they are injured do to their employers’ negligence. So for example, if an employer negligently fails to provide a guardrail and because of that an employee falls and is injured, the employee would be entitled to workers’ compensation benefits but could not sue the employer for pain and suffering and other damages the way that he could if the accident happened at a store or a restaurant rather than at his place of employment.
On the job work accidents are never expected. When they do happen, they instantly change the life of the person who is injured. The injured individual may be facing a long recovery, expense of medical bills, loss of employment, or other life-changing disabilities. In the state of Massachusetts, workers may be entitled to compensation as a result of an on-the-job injury. Unfortunately, getting that compensation is not always easy.
When workers file a workers compensation claim, sometimes their employer or their insurance company does not treat them fairly. An insurance company may unexpectedly deny the workers claim. Or they may delay paying for medical treatment or withhold certain benefits that the injured individual is due. In these cases, it may be in the injured worker’s best interest to consult a Massachusetts workers compensation attorney.
If you are injured while working at your job in Massachusetts, it is important to know what your rights are. You may be entitled to workers compensation depending on the situation.
To be eligible for workers’ compensation benefits, you must show that you have an illness or injury that arises out of and in the course of your employment. In most instances, this fairly simple to do. A person injured at work while operating a forklift in his employer’s warehouse, for example, will have an injury that arose out of and in the course of his employment. But there are many times when the question is not so simple to answer. Workers compensation laws around this issue often become complicated questions of fact and law.
Employees in Massachusetts who suffer an illness or an injury arising out of and in course of employment are eligible for weekly compensation benefits during their period of incapacity from work. In addition to common workplace accidents, personal injuries include infectious or contagious diseases if the nature of the employment is such that the hazard of contracting such diseases by an employee is inherent in the employment. State law requires employers to carry workers’ compensation insurance coverage, and the carriers must provide the benefits for which the employee qualifies based on the nature of the injury and the resulting incapacity from work.
Temporary Disability Benefits
Injured workers who are unable to work for six days or more are entitled to weekly compensation benefits. They are entitled to receive 60 percent of their average weekly wage and are eligible to receive these benefits for up to three years, or 156 weeks.
It is an unfortunate fact of life that people can get injured on the job, and workplace injuries might result in everything from lost wages and medical bills to long-term disability and even death. Many who are injured on the job can qualify for workers’ compensation claims, but there are requirements and qualifications that must be met in order for a filed claim to be approved. If you are wondering if you have a basis for a claim in Massachusetts, it would be wise to consider the following points.