The Massachusetts Department of Industrial Accidents released a report last year analyzing workers’ compensation claims filed between 2014 and 2016. The data indicates that you may be at greater risk for a work-related injury if you are age 55 or older and that you may also be at greater risk for a work injury if you are a man, with male workers representing 57% of all claims.
You may be afraid that your employer may deny your claim. While this is a possibility, you improve your chances of acceptance by following the established filing procedures. Here are some important things you need to know about work injuries in general and your compensation claim in particular.
What types of injuries occur most frequently?
If you are at least age 65, you are most likely to become injured at work due to a fall on the same level, i.e., not from a ladder or other height. Among younger workers, some of the most common injuries include sprains and strains, fractures, lacerations and crushing injuries.
What industries are the most dangerous?
The rate of work comp claims per 1,000 workers of all ages was 29.3 among workers in warehousing and transportation. Wholesale trade demonstrated a rate of 13.4, while the claims rate for construction workers was 18.3 per 1,000 workers.
How do you qualify for workers’ compensation in Massachusetts?
To be eligible to file a workers’ compensation claim with the Department of Industrial Accidents, you must have been unable to work for at least five calendar days as a result of a job-related injury. The days do not have to be consecutive, and they can be either full or partial days.
What if your inability to work lasted less than five days?
You are still able to claim workers’ compensation if your injury kept you out of work for less than five days. In this scenario, you do not report your injury to the DIA. Rather, you file a “medical-only” claim with your employer’s workers’ compensation insurer.