Wednesday, 13 January 2016

What You Can Get Out of Your Workers’ Compensation Coverage

Employees in Massachusetts are particularly aware that they are protected by their companies in case they get injured while performing their work. What most do not realize, however, is that workers’ compensation insurance offer a whole lot of benefits aside from payment of bills.

Temporary Total Incapacity

This type of benefit is typically awarded to those who were injured or ill for a specific period of time which has resulted in their temporary inability to work for six or more calendar days. These days need not be consecutive and need not be a full day.

Qualified employees stand to get as much as 60% of their gross average weekly wage for up to 156 weeks. There are some limitations to this, however; for one, the start of counting would be on the 6th day of incapacity as the first 5 days will only be compensated if you are incapacitated for 21 days or more.

Partial Incapacity Benefits

This is provided for those who are still able to work but on a limited capacity due to their illness or injury. Qualified employees can receive up to 75% of what the weekly total temporary benefits should be. It can be given for up to 260 weeks.

Permanent Loss of Function and Disfigurement Benefits

Typically provided to employees who have sustained injuries resulting to permanent loss of function, scarring, or disfigurement in the face, neck or hands area, the Permanent Loss of Function and Disfigurement Benefit is a one-time payment given to you on top of what you would receive as payment for your medical bills.

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