Even when every reasonable safety measure has been taken, workplace accidents happen. If, as an employee, you are injured on the job, you may be entitled to certain benefits through your company. All employers operating in Massachusetts, excluding members of a limited liability company (LLC) and partners of a limited liability partnership (LLP), are required to carry workers’ compensation insurance regardless of how many hours are worked per week.
What is Workers’ Compensation?
Worker’s compensation is a form of insurance that protects employers and employees should a workplace accident occur. Workers injured on the job are entitled to reimbursement for lost income and other benefits depending on the severity. By accepting worker’s compensation benefits, the worker agrees to not bring a lawsuit against the company for any injuries suffered.
When Do I Need to Use Worker’s Compensation?
Following a work-related injury or illness is when workers’ compensation really shines. Injured employees are covered whether they hurt themselves on the workplace premises or are involved in auto accidents while on business. You have up to four years once you have become aware of the connection between your disability and your employment to file a claim.
What Benefits Do I Receive from Workers Compensation?
The benefits available range between full medical coverage to financial assistance in the event that the worker is permanently or temporarily disabled due to injuries. Under Massachusetts Workers’ Compensation Laws, the following are the benefits a disabled worker is entitled to:
- Total and permanent incapacity: Two-thirds of the worker’s average weekly wage.
- Total incapacity: 60 percent of the worker’s average weekly wage, up to 156 weeks.
- Partial incapacity: 60 percent of the difference between the worker’s weekly wage before the injury and after the injury.
Death Expenses Covered Under Workers’ Comp
In the unfortunate case of death, steps are taken to ensure benefits will be provided to surviving spouses and dependents. Workers’ comp assists in covering funeral expenses, as well as support payments towards dependents. Wages provided are based on the deceased worker’s average weekly wages. How much you receive depends on the relationship to and financial dependence on the deceased worker and on how many beneficiaries there are. Death benefits are subject to a maximum weekly limit.
What Isn’t Covered by Workers’ Compensation?
There are certain situations that are not covered under workers’ compensation. While these do differ by state, generally speaking, the following injuries are not covered.
- Altercation injuries
- Intentional injuries
- Intoxicated injuries
- Emotional injuries
One of the best ways to avoid injuries, especially in industries where physical labor is prominent in everyday life, is by practicing proper technique. Check out this guide for lifting safety practices, a helpful blog that teaches how to help avoid workplace accidents and keep your body in top form. Should an injury occur, be sure to contact the TJ Woods Insurance Agency, so we can help with your claim. We’re here to make sure you and your loved ones are properly taken care of should an accident occur.
