Massachusetts Worker’s Compensation Policy: Who Is Eligible?

By Arnab Dey

July 28, 2022

Compensation Policy

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A construction site is a dangerous workplace, and work-related injuries are not uncommon.

The Occupational Safety and Health Administration (OSHA) estimated that the construction industry accounted for about 17% of all fatal occupational injuries in the United States in recent years. But if a worker is injured on the job, do they get a worker’s compensation policy in Massachusetts?

Workers’ compensation is mandated in Massachusetts by law. Employers are required to take workers’ compensation insurance for their employees.

This insurance will cover any injury or disease caused by workplace accidents unless the employer can prove that the accident was not work-related (for example, if the accident occurred while an employee was driving home after work). 

In some cases, workers’ compensation may also cover injured employees traveling to or from work.

How Compensation Policy Are Applicable For Massachusetts Workers?

workers' compensation

Construction workers are among the most vulnerable employees in Massachusetts, and construction accidents can be catastrophic for everyone involved. But if you have been physically hurt from a work accident, you may be eligible for worker’s compensation benefits. 

  • From dental coverage to sick pay to rehabilitation, these various benefits are designed to help injured workers get back on their feet and out at work as soon as possible.
  • The list of personal injury claims is extensive. Your employer’s liability insurance covers these costs and more. If you have been seriously injured due to a construction accident, you should at least know your rights and where to turn to get information and assistance. You can speak with construction accident lawyers in Boston.
  • Massachusetts workers’ compensation policy covers several people employed in the state, including part-time, temporary, and full-time employees. Workers’ comp coverage also applies to independent contractors working for an employer.

However, a few exemptions must be met for an individual to be covered by the Massachusetts workers’ compensation law. These exemptions include being self-employed and engaging in certain professions on a part-time basis when no other business exists.

Generally speaking, any employee who has sustained an occupational illness or accident resulting in death or personal injury is eligible for worker’s compensation. Personal injury can include a broken toe or loss of vision.

It also covers employees subjected to hazardous duties that might result in death or injury under normal conditions.

You May Also Check: 5 Workers Compensation Cost Reduction Tactics

What Are The Compulsory Rules For Massachusetts Employees?

compensation coverage

All Massachusetts employers that have five or more employees on the payroll are covered. This includes general contractors, subcontractors, and their employees. 

Employers who have less than five employees do not need to carry worker’s compensation coverage if they provide ordinary general liability insurance covering workplace accidents. 

(General liability policies are usually issued by small insurance companies. However, large employers, such as schools and municipal agencies, may also purchase these policies.)

The worker’s compensation policy for the law covers medical expenses and lost wages. The employer is responsible for paying a portion of the medical bills. It can range between 75 percent and 90 percent, depending on the circumstances of the case.

An injured worker can continue to receive his regular paycheck as long as he remains on partial disability. This is especially beneficial for workers who have suffered a temporary injury but can work in some capacity.

Wrapping It Up:

Every state has a different type of compensation policy. So if you want to get the compensation, then this is better just to ask the help from the attorneys and then apply for the compensation. Also, you can seek help from the company’s HR department.

So what is your opinion about the compensation eligibility protocols? Let us know through the comment section.

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Arnab Dey

Arnab is a passionate blogger. He shares sentient blogs on topics like current affairs, business, lifestyle, health, etc. To get more of his contributions, follow Smart Business Daily.

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