To file for workers’ compensation in Massachusetts, you’ll need to meet a few qualifications. If you don’t qualify, you might be able to file for a “medical only” claim. Otherwise, you could receive compensation that helps you pay for your medical bills, lost wages and other expenses.
How do you know if you’re eligible for workers’ compensation?
To start, you’ll need to suffer from a job-related injury or illness. This could be an injury that leaves you unable to work or a disease that results from years of exposure to dangerous chemicals. The injury must be so severe that it leaves you unable to work for at least five days. You’ll also have to report the injury within four years of the incident. If you meet all these requirements, you might qualify for workers’ compensation.
If your disability lasted less than five days, you might be able to file a “medical only” claim with your employer’s insurer. This offers fewer benefits than workers’ compensation but still helps you pay your bills. A workers’ compensation attorney could tell you if you qualify for a “medical only” claim or full workers’ compensation.
How long does it take to receive your benefits?
The time limits vary. Some people get accepted right away while others have to wait weeks for approval. If you were disabled for five days or more, you’ll have to file a claim with the Department of Industrial Accidents (DIA) instead of your employer’s insurance company.
An attorney could help you file for benefits and make sure that you get your application right the first time. Working with an attorney could greatly reduce the amount of time that you spend waiting for your benefits. An attorney could also tell you if you qualify for workers’ compensation or a “medical only” claim in the first place.