You’re at work. It’s like any other workday on the jobsite, when suddenly, the unthinkable happens. You’re rushed to the emergency room with serious injuries—possibly a broken back and a head injury.
“How am I going to afford this medical treatment? What if I can’t go back to work? What about my family?” A dozen questions flood your head immediately. But there’s no need to panic, we’re here to help you.
Under Massachusetts General Law Chapter 152, Section 25A, employers are responsible for providing workers’ compensation insurance coverage to all of their employees. That means that workers, in any line of work, are supposed to be guaranteed benefits should they become ill or injured while on the job—even if they are the ones who caused the accident and subsequently, their own injury. The benefits may include compensation for lost wages after the first five calendar days of full or partial disability, medical treatment related to the employee’s illness or injury, and job retraining for qualifying employees.
How do you know if you qualify?
Employees can begin qualifying for benefits temporary total incapacitation benefits if their injury or illness has prevented them from returning to work for 5 or more full or partial workdays, which do not have to be consecutive. Employees who require medical attention for their injury or illness are entitled compensation for their care including reimbursement for travel and prescriptions.
By law, your employer must file the Employer’s Report of Injury or Fatality with seven business days from his/her employee’s fifth day of lost time. If an employer does not file this form, an employee may submit an injury report in writing directly to the insurance company. Your employer is required to have a poster displayed in the workplace with the name and address of its workers’ compensation insurer and policy information.