In Massachusetts, employers are legally obligated to provide workers’ compensation (WC) insurance for their employees. These benefits are available for any employee who has gotten sick or injured in their workplace.
To help provide you with a quick guideline into the process, here is how you can file a WC claim in the state:
Notify your employer
After your workplace accident, you need to inform your employer about it as soon as possible. Your written notice must include the following details:
- Date and location of the accident
- Brief description of the accident
- Your type of injury or illness
- How long you may be out of work (if known)
If your workmates witnessed your accident, you may also add their statements on your document. By treating your case with proactiveness, you can avoid potential delays in your WC claims process.
Seek medical care
After you inform your employer about the incident, you need to go to the doctor to seek the appropriate treatment for your injury or illness. Aside from your medical and/or surgery costs, your WC insurance can also pay for your medicines and other medical-related travel expenses.
Remember to safeguard your medical records and receipts in one place. You will use these documents when you file your WC claim.
Fill out your claim form
There are two different ways to file a WC claim in Massachusetts. For instance, if your injury has caused you to miss work for less than five days, you only need to file a “medical only” claim with your employer and their insurer.
On the other hand, if your injury has caused you to miss work for at least five days or longer, you need to file your claim with the Department of Industrial Accidents (DIA).
Keep in mind that you will only have seven days after your fifth day of work absence to submit your claim to the DIA. You can do this on your own or with the help of a lawyer.
Await a decision
If your WC claim is accepted, you will start receiving your benefits. However, if your claim is rejected, do not feel discouraged. You can still challenge this decision by filing an appeal.
By understanding how WC works in Massachusetts, you can follow the right steps needed to file your claim and minimize any hurdles along the way. This practice not only helps speed up your claims process but also helps you receive timely compensation for your injury or illness.