Although construction and other labor-intensive jobs have an especially high incidence of work-related accidents, injuries occur in every type of job. In Massachusetts, employees across all industries, from healthcare and education to manufacturing and technology, are typically protected by workers’ compensation insurance.
Coverage is Almost Universal
Workers’ compensation is a system designed to provide compensation for employees who suffer work-related injuries or illnesses. The beauty of this program is that it covers almost all workers in the state, whether you’re employed full-time, part-time, or seasonally. Even employees in small businesses and nonprofits are typically entitled to workers’ compensation benefits.
Workers’ Comp Offers Multiple Benefits
Workers’ compensation benefits in Massachusetts are quite comprehensive. They generally include:
- Medical Benefits — Coverage for all necessary medical treatment related to your work injury, from doctor’s visits to surgeries and prescription medications.
- Disability Benefits — These are designed to compensate for the wages you lose if you are temporarily or permanently unable to work due to your injury. Disability benefits come in several forms, including temporary total disability, partial disability, and permanent total disability.
- Rehabilitation Services — If you require rehabilitation services, such as physical therapy, vocational training, or job placement, these are often covered as well.
- Survivor Benefits — In tragic cases where a work-related injury results in the death of an employee, the worker’s family may be entitled to survivor benefits.
Prompt Reporting is Important
When you’re injured on the job, it’s critical to report the injury to your employer as soon as possible. This helps initiate the claims process and ensures you receive the benefits you deserve. In Massachusetts, you should report the injury within four days of its occurrence or within four days of when you first became aware of the injury. Prompt reporting is always important, even if you’re unsure of the extent of the injury.
Choose Your Own Doctor
In Massachusetts, you have the right to select your own doctor for medical treatment if you’re injured at work. You can choose from the list of approved medical providers provided by your employer’s workers’ compensation insurer. This allows you to receive care from a physician you trust and are comfortable with.
Workers’ Compensation is a “No-Fault” System
One of the key features of workers’ compensation is that it operates as a “no-fault” system. This means that you can typically receive benefits regardless of who is at fault for the injury. Whether the accident was the result of your own actions, your employer’s negligence, or a co-worker’s mistake, you can still access workers’ compensation benefits.
Workers’ Compensation Attorneys Can Help
Navigating the workers’ compensation system can be complex, especially when you’re dealing with medical treatment, paperwork, and potential disputes. Consulting with an experienced workers’ compensation attorney can provide you with guidance, help you understand your rights, and ensure you receive the full range of benefits you’re entitled to. Furthermore, if negligence played a role in your injuries, you may be entitled to additional compensation for medical expenses, lost wages, and even pain and suffering.
Time Limits Apply
Generally, you have four years from the date of the injury to file a workers’ compensation claim. However, in cases involving occupational diseases, you have four years from the date you became aware of the condition’s relation to your employment. Failing to meet these deadlines will likely result in the loss of benefits.
Consult With a Massachusetts Workers’ Compensation Attorney Today
Understanding the ins and outs of workers’ compensation in Massachusetts is paramount to safeguarding your rights and securing the support you need if you’ve been injured on the job. At Altman & Altman Trial Attorneys, our experienced Massachusetts workers’ comp team is here to help guide you through the process and ensure that you receive the benefits you need in a timely manner. Contact our skilled legal team today for a confidential consultation and to learn more. Your well-being and legal rights are our top priorities.