There are many different steps that need to be taken once
you’ve became a victim of an injury that you’ve sustained within your place of
employment. While reaching out to the
Boston personal injury lawyer that you’ve chosen to represent you in the
process of receiving workers’ compensation benefits and scheduling a free
initial consultation, you might still want to at least have a good grasp on the
key points about everything that is entailed in Massachusetts workers’ comp.
insurance. Read onwards to learn more about the top five things you need to
know about Massachusetts workers’ compensation insurance.
1.) All places of employment are required by law to carry workers’
compensation insurance
This is something that has been mandated for some time now,
but Is still a recent occurrence. The reason for this is so all employees and
employers alike can feel safe while they’re at work with ther knowledge that in
the event of a serious accident, they will be taken care of and reimbursed for
their medical expenses, lost wages, and anything else that might be included
with their specific workers’ compensation coverage plan. This also helps to
establish an all-around aura of safety within the workplace and assures that
your employer will go over all of the OSHA rules and regulations with you, as
well as provide the proper training for any equipment that you may be using.
2.) You must go to the in-network medical offices and staff that your
employer’s workers’ compensation insurance covers
If
you find yourself harmed in a workplace incident, your first instinct might be
to go to your regular doctor. However, if you intend to collect workers’
compensation benefits, you must ensure that you are seen by the in-network
medical staff. If you do not see doctors that are within your employer’s
workers’ compensation insurance network, you will not be eligible for the
benefits that you most likely will need, especially if your injury leaves you in
a disabled state.
3.) Under Massachusetts’ workers’ compensation insurance laws, you are
eligible to receive up to 60% of your lost wages if you are unable to work for
more than five days as a result of your workplace injury.
If
you have sustained a very serious injury and find that you cannot work for more
than five days or more, then you do have the opportunity to collect up to 60%
of your regular weekly wages while receiving workers’ compensation benefits. It
does not matter whether it is simply five days or more, just so long as it is a
minimum of five days. Hopefully you do not find yourself with this awful of an
injury, but in the event that you do and you do receive the workers’
compensation benefits, then this knowledge is something that can certainly take
some stress off of you.
4.) If you find that you cannot work for 21 days or more, you are
eligible to receive the back pay for the time you had to wait to receive your
benefits
As
with most things in life, receiving workers’ compensation benefits do not
simply happen overnight. That’s just a known factor. After all, you were
injured very quickly, so you might be feeling that you should be able to
receive the workers’ compensation benefits that you need at the same type of
speed. While this is an entirely understandable train of thought, the fact of
the matter is –the system simply does not work like that. However, if you end
up disabled as a result of being harmed at work for more than 21 days, you are
able to receive lost wages from the time that you have had to wait. In
addition, having a Boston personal injury lawyer at your side to represent you
can also perhaps speed things along.
5.) Last but not least, the most important step is that you report your
injury, verbally, and if writing if possible, to your employer as quickly as
possible
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