Navigating Massachusetts Workers Comp Law
When you’re injured on the job, you know you’ll need help recovering. Fortunately, your workers comp claim should be simple and streamlined, so you don’t have to suffer without benefits for long. Workers comp law isn’t always so simple, though. Getting your claim settled can feel like a showdown of Western proportions, so you’ll need to know what to expect before you file your claim.
If you’re not sure where to begin after an on-the-job injury, the following laws can make a major difference in your claim. Protect your future and your claim by keeping the following statutes in mind.
Am I Covered?
First things first: is your injury covered by your workers comp benefits? Many Massachusetts workers worry that they don’t have coverage for their injuries, or that they’re not injured badly enough for compensation.
Luckily, as long as your injury occurred within the scope of your job, you should be covered. Injuries that didn’t take place because of your job may not have this coverage. For example, you may be covered if you hurt your back in a fall on the job, but not if that fall occurred while you were out of the building on your lunch break.
Filing Your Workers Comp Claim
Once you’ve made sure you’re covered, you’ll need to file as soon as possible. Workers are expected to report an injury if it keeps you away from work for more than five days, so you won’t have a lot of time to file. That’s tough when you’re already hurt and trying to combat your injuries.
Worse, the longer you wait, the more likely you may be to receive a denial. If you wait, the insurance company may try to protect their own profits by claiming you were injured elsewhere. Because of this, it’s best to see a doctor now, even if you feel fine. A serious injury may not hurt until later, and by then, your insurance company may try to claim that you were injured elsewhere.
Workers Comp Denials
You may have already taken all the right steps, but you’ve still been denied. The laws are complex and confusing, which makes it tough to be sure that you’re following every step to the letter. Unfortunately, that means you may find yourself with a denial letter, not a list of your benefits.
In these cases, you may need a Boston workers compensation attorney to help you with your claim. First, you’ll need to file your appeal forms and submit your evidence of an on-the-job injury. Then, you’ll need to complete an informal conference with your employer’s insurance company. If you can’t agree, you’ll have another informal meeting before an administrative judge.
If that wasn’t confusing enough, you may still be unable to reach an agreement. When this happens, you and your lawyer will attend a hearing. You’ll present witnesses and evidence, and you and your lawyer will appeal for your benefits.
Understanding Massachusetts Law After a Work Accident
If you’re hurt at work, following the law isn’t always easy. Every state has its own set of laws, which makes recovering from a work accident even more complicated. Workers comp benefits should make recovery easier, but sometimes, they feel like more work than ever.
Finding the right way to handle a workers comp claim in Massachusetts can be tough, but you don’t have to go into your claim unprepared. Make sure you understand the laws above, and you’ll have a better chance of recovering fully from your injuries.