In the state of Connecticut, all businesses that employ at least one individual are obligated to carry workers’ compensation insurance. That means if you get hurt on the job—and you’re not classified as an independent contractor—you will be entitled to benefits. In order to qualify for funds, the condition or injury must be covered by the policy. You will also take certain steps immediately following the accident or diagnosis to retain eligibility. Here’s a guide to what constitutes a work injury or how to go about securing benefits. 

Common Work Injuries & Accident Scenarios 

Nearly all work injuries and accident scenarios are covered by workers’ comp insurance. Some of the most common examples include slip and falls, toxic exposure, muscle strains, and falling objects. Repetitive strain injuries like carpal tunnel syndrome and occupational diseases like mesothelioma are also covered. And if you get hurt in a motor-vehicle collision while performing normal job duties, you may be entitled to workers’ comp benefits in addition to any personal injury payouts from those who were liable for the wreck.

Injuries sustained at work functions like company picnics may be covered, as well. However, there is one major exception regardless of where the accident occurs. Although fault does not typically affect eligibility, the insurer will deny your claim if your conduct was grossly negligent or you were under the influence of drugs or alcohol at the time of the incident.  

Steps to Take If You’re Hurt on the Clock 

If you get hurt at work, the first priority should be your health. If your employer has a planned provider organization (PPO), you will have to choose a treating physician from an approved list. Otherwise, you may visit a doctor of your choice. 

Once your condition has stabilized, securing workers’ compensation benefits should be the next priority so that you can protect your family's financial security. To remain eligible for benefits, you must report injuries within one year and occupational diseases within three years of when the first symptoms developed. To do this, simply complete and submit a 30c form.

Although claimants have 12 months, it’s wise to report your condition immediately so that you can secure benefits sooner rather than later. Also, hire a lawyer before doing so. A knowledgeable attorney will track medical expenses, gather evidence, and correspond with the insurer on your behalf. 

If you need help applying for workers’ compensation benefits or filing an appeal, turn to the attorneys at The Law Offices of Conti, Levy and Salerno, LLC. in Litchfield County, CT. Their compassionate team has been working together for the past two decades, and they have 75 years of experience between them. To learn more about the counsel their lawyers provide, visit their website. To schedule an initial consultation, call (860) 482-4451.