Suffering from an injury can derail your whole life. If you're unable to work for even a short period of time, you're likely to face a significant financial burden. However, when the problem arises as a result of your job, workers' compensation can offer financial relief. Here's a closer look at what you need to know about the process of filing a claim.
What Is Workers’ Compensation & Who Qualifies?
In Massachusetts, all businesses are required to carry workers' compensation insurance coverage for their employees. Such policies are designed to help cover the costs of on-the-job injuries or related illnesses, including medical bills. Qualifying issues include incident-specific injuries, like broken limbs, to problems that build over time from repetitive actions, like chronic back pain.
The only stipulation is that the problem must have occurred while working or as a direct result of your job. While the circumstances can occur on the business' property, injuries arising from off-site duties are also covered. Surviving dependents, including the spouse and children, can file a claim in the event of an employee death.
What Must Be Proven to File a Claim?
The burden of proof in workers' compensation cases falls onto the injured party or their survivors. To achieve this feat, you need medical documentation of the problem and showcase that it was directly related to their daily tasks. For those reasons, it's vital that you make your employer aware of the problem as soon as possible and seek immediate medical attention. Legally, the official claim must be filed within four years of the incident occurring or becoming aware of the problem.
What Type of Compensation Can Be Sought?
Typically, employees request financial compensation for both short and long-term medical expenses related to the injury or illness. Such costs may include hospital stays, medication, and even physical therapy. You also have the right to request a portion of your lost wages if you're unable to work temporarily or permanently.
In Massachusetts, employees with a total incapacity for work are able to request 60 percent of their weekly wage for up to 156 weeks. Partial incapacity benefits are set at 60 percent of the difference between the prior and post-injury wage. If the individual is unable to work permanently, they're entitled to two-thirds of their average weekly wage.
If you've been injured on the job, learn more about your legal options by contacting Bellotti Law Group, P.C. in Suffolk County, MA. For 30 years, the respected attorneys have tirelessly fought for their personal injury clients across the Greater Boston Metro area. From car accidents to workers' compensation claims, they're committed to results. Request your free consultation today online or by calling (617) 778-1000.