WORKERS’ COMPENSATION IN MASSACHUSETTS If you get hurt or sick because
A GUIDE TO WORKERS’ COM
WHAT IF I CAN NEVER WORK AGAIN? If your injury permanently prevents you from working, you may be eligible for extended, possibly lifelong, assistance. DO I NEED TO No, it doesn’t matter whose fault it was. If you got hurt because of your job, you could get help. WHAT IF MY CLAIM IS DENIED? If your claim for help is denied, you can argue your case, sometimes in front of a judge. This is when working with a lawyer might be really helpful. WHAT’S A SETTLEMENT? A settlement is a mutual BLAME SOMEONE TO GET WORKERS’ COMPENSATION? agreement in which you might receive a one-time lump sum payment instead of continuous payments. This arrangement requires consent from both you and the insurance company. CAN MY JOB FORCE ME TO RETURN TO WORK? You cannot be forced to return to work until you are ready and your doctor has given the green light. If you attempt to return but cannot continue, you may be eligible to have your benefits reinstated. This simplified guide is meant to help you understand the basics of workers’ compensation in Massachusetts. Remember, each case is unique, so get more information and assistance if needed.
If you’re injured at work in Massachusetts, the workers’ compensation system is designed to cover your medical issues. Here’s an overview to educate you on what you need to know. CHOOSING YOUR HEALTH CARE PROVIDER Your employer may initially suggest a specific doctor for your first visit. However, you have the right to select your own health care provider for subsequent treatments. This choice is crucial because it ensures your medical care aligns with your needs and preferences. WORKERS’ COMPENSATION COVERAGE Workers’ compensation coverage includes emergency services, hospital stays, necessary diagnostic tests, and various forms of therapy. The goal is to ensure you receive the comprehensive medical care you need. DURATION OF MEDICAL BENEFITS
of your job or if a family member dies from a work accident, you might be entitled to workers’ compensation benefits. It doesn’t matter how you get paid or if you don’t have official work papers. But you need to have been working in Massachusetts. WHAT IF MY EMPLOYER DOESN’T HAVE INSURANCE? Don’t worry; if your employer doesn’t have the right insurance, you can still get help through a special fund for workers. WHAT STEPS SHOULD I TAKE IF I GET HURT? First, tell your employer and see a doctor. Then, if you can’t work for more than five days, you can ask for workers’ compensation to pay your expenses and cover some of your lost pay. You might start getting help immediately, or it might take a few weeks. It depends on how quickly the insurance company sorts everything out. CAN I SEE MY OWN DOCTOR? Yes, after your first visit, which your job might set up, you can choose your own doctor for further treatment. WHAT IF I NEED MORE HELP LATER? If your work-related injury requires additional medical treatment after your case appears to be resolved, the insurance should continue to provide coverage.
Time does not limit workers’ compensation coverage for medical treatments. As long as treatment for your work-related injury or illness is deemed necessary, you should
be covered. However, the insurance carrier might sometimes question continued treatment, so you may need to advocate for your right to continued care.
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