Workers’ compensation benefits in Boston are designed to provide payments to workers who are injured on the job. Virtually all employers in Massachusetts are required to have a workers’ compensation policy and cover all employees with it.
However, collecting potential benefits following an injury can be complex. It is essential that injured employees understand the benefits that are available to them so that they know when an offered package is inadequate to fit their claim.
A dedicated workers’ compensation attorney could help you understand the law and what is available to them through Boston workers’ compensation benefits. In the process, they could work with you to examine the offered benefit packages and file appeals when necessary to acquire the payments to which you are entitled by law.
Payment of Medical Costs
The core of any workers’ compensation benefits package in Boston is the payment of medical costs. All policies must pay for an injured or ill employee to attend doctor’s appointments and rehabilitation visits that are necessary for them to make a maximum medical recovery.
In many cases, these appointments can bring the employee back to full health. In others, further medical treatment may not have any discernable benefit. When this is the case, an employee may be entitled to permanent incapacity benefits. In any event, workers’ compensation insurance should pay for all medical treatment in the immediate aftermath of the injury.
Temporary Total Incapacity Benefits
The most common form of monetary payments issued in Boston workers’ compensation cases is temporary total incapacity benefits. To qualify for these payments, a worker must miss at least five days of work after the date of his or her injury.
These payments are issued at a rate of 60 percent of the gross weekly wage for 52 weeks prior to the injury. In other words, whatever an employee’s average weekly wage was over the previous year, they could receive 60 percent of that every week during recovery from their injury. Employees are eligible to collect these benefits for a total of 156 weeks or three years.
Temporary Partial Incapacity Benefits
Other scenarios may involve an illness or injury that only partially affects a person’s ability to work. Any time a person can return to work after an injury but for fewer hours or lighter duty, he or she may be eligible to collect these payments.
These Boston workers’ compensation benefits are paid at a rate of 75 percent of the payment that would be issued for total temporary disability. So, these payments would ultimately equate to 45 percent of an injured worker’s average weekly wage. This is in addition to any wages actually earned.
Permanent Disability Payments
More severe injuries may result in permanent incapacity. If this incapacity is only for a singular body part, or if it is due to severe burns, the treating doctor would refer to an impairment assessment chart to determine the impact that this injury could have on the employee’s ability to work. The insurance company would then use this assessment to provide a lump sum payment.
In instances where a worker can never work again in any capacity, they may receive workers’ compensation benefits paid at a rate of 66 percent of the workers’ prior average weekly wage. In addition, these benefits are paid for the rest of the employee’s working life. There are also cost of living adjustments built into the program. More information about available benefits can be found here.
Call to Learn More About Boston Workers’ Compensation Benefits
Injured workers could receive a rich assortment of Boston workers’ compensation benefits. Medical costs are almost always covered, but depending on the severity of your injury, specific cash benefits may vary. Temporary loss of an ability to work can result in payments for any lost wages while you make a recovery. Any permanent loss of function in a limb or a broken bone could result in a lump sum payment.
Finally, a permanent total loss of workability could net you payments for the rest of your working life. Contact an employment lawyer today to learn more about what benefits you could collect following a workplace injury.