In Massachusetts, workers’ compensation benefits are an essential part of the safety net that helps those who have been injured on the job. It is also for those who become ill or suffer from a condition because of the work they do.
The payments the worker receives through workers’ compensation can partially make up for their lost pay from being unable to work. In some instances, the worker also receives vocational rehabilitation to facilitate their recovery.
Knowing the facts about workers’ compensation can be beneficial to easing the mind of an injured worker and their family.
Workers’ compensation and payments
People who have just been hurt or have gotten ill due to work will want to know when they will get their first workers’ compensation payments. This is true regardless of the industry they work in. Losing even one paycheck or having it reduced substantially can put them behind on their bills and leave them wondering how they will survive.
Once they have been injured or become ill, they will begin getting their compensation for lost wages after five days. The first five days are not covered until the worker has been disabled for at least 21 calendar days. This is a key point to remember for those whose injuries last for an extended period – they will receive payments for the first five days once they hit 21 days of being disabled.
The first 180 days after the incident occurs a “Pay-Without-Prejudice” policy is in effect. This removes the concern about whether the claim will be approved for the first six months. As the case is being decided, the worker is paid their benefits.
During this period the benefits can be stopped after the worker receives seven days’ notice. However, if payments are made beyond those 180 days, they cannot be stopped or reduced without a judge or the worker approving it. This can be extended for as long as a full year.
Knowing the facts about workers’ compensation and having help is vital
Injuries or conditions from work that lead to a workers’ compensation claim will not be automatically approved. There are often disputes between the worker and the insurer as to the extent of the injuries, their severity and how long they should be off the job. No matter the type of issue the worker is having, there are specific facts they should understand and be prepared for.
That includes gathering all the necessary evidence for the claim. Having experienced guidance throughout the process – whether the claim appears as if it will be approved, is denied or there is a dispute over the amount of benefits – can be critical to maximizing what will be covered. Seeking caring and responsive advice is imperative from the outset.