How Workers Comp Works in Massachusetts

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. 

Dealing with Depression After My Work Accident

This story comes to me from an anonymous author about how he battled a severe bout of depression following an accident at work. He didn’t get into the details of that, but it seems he was able to find the resources to get him back on the right track and thought I would share his story in case someone else out there was struggling with the same issues with their depression.

 

I was extremely depressed after my work accident. My injuries were so severe that I was wheelchair-bound for at least a year. As someone who loves jogging and hiking, I felt so useless. Even with workers compensation, I still felt depressed. My girlfriend had to drive me everywhere, and I couldn’t use the restroom by myself anymore.

I felt like a baby. I know my girlfriend didn’t mind, but I still couldn’t help but feel like a burden. I’m just lucky I was able to get workers compensation because we were vulnerable at the time. One missed bill would have landed us on the street, but I’m so thankful to the workers comp lawyer I hired. 

Still, I’d never felt as low as I did during this time. I even had to take anti-depression medicine to help me cope with my emotions. I honestly didn’t know what to expect whenever I was using the stuff and going to a therapist for the first time. Opening up about how I felt useless to a stranger was so odd at the time. 

It’s funny how shy I was back then. But slowly, I started to feel better as I went more and more to my therapist. Eventually, my therapist recommended The Healthy Choice Compounding Pharmacy, and they were able to create a more tailored prescription for my needs. After using exercise and medication, I started to feel like myself. 

The feelings I felt after my work accident started to seem distant and irrelevant. I was no longer replaying my accident over and over inside of my head. Irrational thoughts, such as my future being over, seemed silly now. It was as if I had a new lease on life, and I wanted to take advantage of my opportunities. 

Without the support of my girlfriend, I don’t know if I would have escaped my depression. For this reason, I couldn’t be more thankful for her and the other people I have in my life. Weirdly, I feel more energized following my accident. Even before my accident, I was going through the motions. 

Now I’m living in the moment, and every day brings a new and exciting experience. Yes, my work accident was painful at first, but without this experience, I wouldn’t be where I am now. So, to anyone going through anything remotely similar, never give up hope! Things may seem grim now, but you always have the power to turn things around!