One of the biggest questions that an injured Massachusetts worker will have is how the medical expenses will be covered through workers' compensation. There are certain rules for who qualifies and how the medical costs will be paid. Understanding these factors is important when a person is injured on the job or has a condition or illness related to the work that they do and needs medical care as a result.
When a Massachusetts worker is injured on the job or suffers a condition or illness due to the work they do, they might believe they are entitled to workers' compensation benefits. Sometimes, however, there are issues surrounding workers' compensation claims that cause problems for the person to get the benefits. There are four steps in settling a workers' compensation dispute. They are: conciliation, conference, hearing, and reviewing board. The Department of Industrial Accidents (DIA) helps to settle these disputes.
For Massachusetts residents who are injured on the job and are receiving workers' compensation benefits, there are times when a lump sum payment is a potential option. Before accepting a lump sum, it is important to understand various important factors that accompany it. The lump sum is a contract between the worker, the insurer and, in some instances, the employer. The lump sum payment will be made in lieu of the workers' compensation payments and possibly other benefits. A judge will hear the case when it is decided whether a lump sum should be paid and determine if it is in the person's best interest.
Workers in Massachusetts who are injured on the job might have a vague notion as to their rights to receive benefits through workers' compensation. However, there are important points that they must understand as they seek to move forward with workers' compensation claims and receive benefits. Those who have an injury from their job or a health issue due to their work should be able to get workers' compensation. Workers' compensation will cover medical costs including prescriptions and copays; lost wages for the time the worker cannot work if it lasts for five days or more; and the cost of travel back and forth to get treatment.
Most Massachusetts' residents encounter some form of hazards while working, regardless of what type of job they are performing. The risks are obvious when working at a construction site or industrial site, but even office buildings can become dangerous if an employer does not maintain a safe working environment. Workplace accidents such as slips and falls can take place at any workspace.
As mentioned in last week's post, the number of deaths caused by workplace accidents is at the highest it has been in the last 10 years. This is an alarming trend, especially since costs of living are rising and an injury means not only is the injured worker not working but is also facing high medical expenses. Employers can often try to minimize the incident so they do not have to deal with workers' compensation claims, but workers injured on the job should not let that deter them.
People across the state of Massachusetts urgently need jobs, and this is something temporary agencies are taking advantage of. They are paying their workers only in cash in order to not only avoid taxes, but also to avoid paying workers' compensation premiums. Not only do these temporary agencies not provide any insurance for their workers, but they are also sending temporary workers to perform dangerous and risky jobs without giving them any information about the job or training for it. This exposes workers to safety violations and workplace injuries, and is possibly one of the reasons the state has seen a 10-year high in the number of workplace fatalities.
Workers in Massachusetts are afforded many protections. There are certain laws in place that are intended to protect workers from suffering unnecessary harm at the workplace. However, accidents do still occur. These range in severity. Some are minor, only causing the worker to miss a few days of work, while others are more serious, resulting in long-term disabilities. In most cases, workers' compensation insurance is available to those who suffer serious injuries on the job. Workers' compensation is meant to preclude a lawsuit against one's employer.
There are many jobs that Massachusetts residents can work in order to make a living. Some of them, of course, are more dangerous than others. For instance, someone working construction is likely putting themselves at greater risk on a daily basis than someone who works in an office on a computer all day. However, an accident can occur in any work environment, regardless of the level of danger involved. When this happens, victims have rights. They may be able to obtain workers' compensation.
There are many types of jobs that carry inherent dangers. In these positions, workers' compensation can be a godsend for those injured. It's important to understand, however, the range of injuries that are covered by workers' compensation and the particulars surrounding them.