Massachusetts requires employers to carry workers’ compensation insurance. While this program provides benefits to workers who have a job-related injury or illness, many employees do not understand how it works.
Get the facts behind some of the most common myths about workers’ compensation.
The full-time myth
Contrary to popular belief, you can apply for workers’ compensation benefits as a part-time or seasonal employee. As long as your illness or injury occurs in the course of your employment duties, you may have a valid claim in Massachusetts.
The acute injury myth
Some people do not seek workers’ compensation benefits for injuries or illnesses that arise over time. However, this program does not only pay the medical bills for acute accident injuries. You can also seek benefits for work-related repetitive stress injuries and illnesses resulting from workplace exposure.
The fault myth
You may be hesitant to file for workers’ compensation benefits if your actions played a role in your injury. For example, if you failed to follow safety protocol and an accident happened, you may think you cannot receive benefits. In fact, in most cases, workers’ compensation is a no-fault system in Massachusetts, which means you may be eligible regardless of fault.
The state allows workers to claim workers’ compensation if the injury or illness results in five or more days out of work. However, you must notify your employer as soon as possible if you suffer a work-related illness or injury. Available benefits may include medical expenses, compensation for lost wages, and job retraining if you cannot return to your previous role.