In Connecticut, most employers must provide workers’ compensation (WC) insurance for their employees. This no-fault insurance program helps injured or sick employees receive timely financial support for their medical costs and lost wages.
By accepting these benefits, the employees are also waiving their rights to sue their employers for their work-related accidents.
Medical benefits
Your Connecticut WC insurance can pay for your necessary medical expenses, including medical treatments, x-rays, surgery costs, medicines and hospital bills.
Keep in mind that if your employer has an approved managed care plan, you must choose a doctor from that list to seek prompt medical care for your workplace injury or illness.
Wage loss
If your injury or illness has caused you a temporary total disability that made you incapable of working, your WC insurance can cover a portion of your wage loss or 75% of your average weekly wage, while you are in recovery.
Permanent disability benefits
The state also provides WC benefits for employees whose workplace accidents have caused them permanent disabilities. Four examples of such injuries include:
- The loss of both feet
- The loss of both hands
- A permanent loss of sight in both eyes
- An injury that has caused permanent paralysis of the leg/s or arm/s
Since the employees can no longer work because of their impairments, they may be eligible for lifetime benefits.
Staying informed can lead you to better outcomes
When you learn about how Connecticut’s workers’ comp processes work, you can file your claim with better preparedness and receive financial help for your medical bills and/or lost wages.
