Connecticut’s blue-collar workers face injury risks most people do not have to deal with. This can be quite scary. If an injury or illness prevents you from doing your job, how are you supposed to provide for yourself and your family?
This is where workers’ compensation is supposed to kick in. Most employees here in the state are covered by workers’ comp. This system is complicated, however, and can even feel unfair. So here are five things you should keep in mind.
It’s a no-fault system
Workers’ compensation is a no-fault system. That means, outside of a few exceptional circumstances, it does not matter how you were injured on the job. Even if the incident was your fault, or if you suffer from a chronic condition that makes you susceptible to certain injuries, workers’ compensation will generally apply.
Compensation is for lost wages, medical care
There are two main financial concerns workers’ comp provides for. One is medical bills related to the injury. This can include the initial treatment and sometimes vocational rehabilitation. The second is lost wages. This comes via a regular check that covers a portion of what you would normally earn.
You do have to be proactive
After a workplace injury, it’s important to do a few things straight away:
- Tell your employer as soon as possible
- Get medical treatment immediately
- File a written claim
Following these steps can help with disputes that may come down the line.
Extra compensation is unlikely
Workers’ compensation generally only provides for medical treatment and partial lost wages, as mentioned above. It is possible to seek additional compensation in two circumstances.
First, if the employer’s actions were grossly negligent or the employer willfully caused the injury, you may be eligible for more compensation. Second, if a third party (such as a contractor) caused your injury, you may be able to file a personal injury lawsuit against them.
You can appeal
If you file a workers’ compensation claim and receive a rejection notice, do not immediately worry. There is an appeals process. This reconsideration, when successful, may result in a reversal of that initial decision.