When you suffer an injury at work and will need to take time off in order to heal from your injuries, you may be wondering how you will continue to support yourself and your family.
The vast majority of Massachusetts residents live paycheck to paycheck and simply cannot afford to go without pay for any length of time. Fortunately, the state requires nearly all employers to provide their employees with workers compensation coverage for this very reason.
Workers compensation coverage is something your employer had to purchase through an insurance company, and if you become injured or fall ill, the insurance company may be required to provide you with workers comp benefits.
However, in order to qualify for workers compensation benefits in MA, you will need to have become ill or injured due to either the circumstances of your work environment or the scope of your job responsibilities.
So if you were to catch the flu, for example, workers comp would not apply. But if you work in a factory and were injured by a malfunctioning forklift, you would more than likely be entitled to workers compensation benefits. There are also times where you could be disqualified for benefits. Some of the most common reasons why a workers comp claim could be denied include the following:
- The injuries were self-inflicted;
- The employee was in violation of the company’s code of conduct;
- The employee was committing a crime;
- The employee was under the influence of drugs or alcohol.
If you were injured at work and your claim for benefits was denied without reason, you may need a Boston workers comp lawyer to help get your claim approved.
Once your work comp claim is approved, you can begin receiving your benefits. In most cases, this will amount to approximately 60 percent of your average weekly earnings. You can also expect your employer’s workers comp insurance provider to cover your medical expenses, as they relate to your injuries.
In addition to these benefits, you may also be entitled to compensation for job training or education if your injuries are so severe that you are unable to continue working within the same industry.
On-the-job injuries can have a devastating impact on your life, but if you know what benefits you’re entitled to and what resources are available to you, you may be able to get through this difficult time in your life more easily.