Serving all of Massachusetts and the South Shore, including Quincy, Brockton, and Plymouth
If you have a hazardous job, such as a job in construction, or even if you have a relatively safe job, such as a job in accounting, you are at risk of injury while on the job. Nobody goes to work and expects to get hurt, but what happens if you do get injured? How will you pay for your medical expenses? What happens if you can’t go back to work right away? Workers’ compensation is an important benefit you should know about.
What is workers' compensation?
Workers' compensation is a required insurance program that pays out compensation if an employee is injured while performing work-related tasks. Employees are usually eligible for workers’ compensation benefits no matter who is at fault. This means that if the accident was caused by the employee, a customer, a coworkers, or another third party, the employer still owes the injured employee monetary benefits. In exchange for these benefits, the employee gives up their right to sue their employer.
Am I eligible for workers’ compensation benefits?
You may be surprised to find that you are eligible for workers’ compensation benefits. Almost all workers are covered, even under a variety of circumstances. You are covered:
- Regardless of how many hours you work per week
- Even if your employer pays you in cash under the table
- No matter how much you get paid
- If you are a volunteer or work for no pay
- Even if you are not a US citizen
What types of incidents are covered by workers’ compensation insurance?
Workers’ compensation insurance covers accidents and injuries that happen as a result of employee or employer negligence and carelessness. The insurance typically covers:
- Medical expenses
- Lost wages (2/3 of average wages, untaxed)
- Retraining costs
- Compensation for permanent injuries and disabilities
- Survivor benefits
What types of incidents are NOT covered by workers’ compensation insurance?
There are several circumstances in which incidents are not covered by workers’ compensation insurance. For example, you will not receive benefits if:
- You were under the influence of drugs or alcohol at the time of injury
- The injuries were self-inflicted
- You were breaking the law or violating company policy
- You were not on the job at the time of injury
Note: Workers’ compensation benefits do not cover pain and suffering.
What to do if an accident happens in the workplace
To make sure you have the best chances of getting the most out of your workers’ compensation benefits, make sure to follow these steps:
- Report the accident or injury as soon as possible.
- Get medical attention right away.
- Document the accident by writing notes, listing names of witnesses, and taking photos if necessary.
- Consult with an experienced workers’ compensation attorney.
Why do I need a workers’ compensation lawyer?
Receiving your workers’ compensation benefits should be easy. Unfortunately, the process can be slowed down and complicated by employers and insurance companies. Their goal is to decrease the amount of benefits you receive. Our goal is to maximize your benefits and get you the money you rightly deserve. If your compensation is being denied, complicated, or disputed, contact our Massachusetts workers’ compensation lawyers as soon as possible. At Powers & Caccavale, we strive for the highest possible compensation and work hard to make sure our clients get the most favorable outcomes. If you’ve been injured at work, contact us today.