Massachusetts has workers’ compensation benefits. In the event that you’re sick or injured while working, you can expect to receive paid medical treatments and reimbursement of part or all of your wages/salary during the period of your disability. You’d have to file a claim to enjoy compensation/benefits.
Can You Get Workers’ Comp Benefits in Massachusetts for COVID-19?
Massachusetts Workers’ Compensation Law (Mass. Gen. Laws ch. 152, §§1(7A), 26 (2020) allows workers to receive compensation benefits for infectious disease if their job exposes them to the disease; however, the fact that your job exposes you is not sufficient to enjoy compensation benefits. You must be able to show that you have been infected by the infectious disease to make claims. Sadly, the case is different for COVID-19 as there’s little or no way of proving you got infected on the job. A few states have compensation benefits for healthcare workers and COVID-19 responders. Unfortunately, Massachusetts isn’t one of the states that have adopted this compensation plan.
Temporary Total Incapacity Benefits in Massachusetts
TTI is the workers’ compensation benefit you get when an injury or sickness makes you unable to work. This benefit can be enjoyed as soon as you spend more than five days off work and you’re unable to work for a minimum of 21 days. Sadly, payments won’t continue if the following conditions hold.
- You become able to return to work.
- Your doctor confirms that your medical improvement options have been exhausted. This means you can’t get any better irrespective of medical efforts and trials.
- You have received compensation payments of your salary (based on minimum and maximum payment rates) for three years. The minimum and maximum levels are subject to 60% of your statewide average weekly wages (SAWW) before your disability.
Partial Incapacity Benefits in Massachusetts
Partial incapacity benefits are available when an injury or sickness makes you unable to return to work, and you earn less than you earned before the disability. You get 60% of the difference between what you’re capable of earning now and what you were earning before your injury/sickness, with a maximum cap of 75% of what you were receiving before your injury. Also, if the benefit you enjoy is more than twice the SAWW amount, you can expect a reduction from the insurance provider. Partial incapacity benefits lapse when you’re able to earn what you earned before injury or after five years. A permanent disability can extend this period to 10 years.
Permanent Total Incapacity Benefits
According to the law (Mass. Gen. Laws ch. 152, § 34a (2020)), you can expect to get your average weekly wage when the doctor confirms a permanent disability. The weekly payment you get is subject to the minimum and maximum for temporary benefits in the law.
Other Workers’ Comp Benefits in Massachusetts
- You can enjoy medical benefits and medications for injuries you get from working.
- There’s provision for up to two years of vocational rehabilitation and training for injured people who can’t return to their former jobs.
- Death benefits and a funded funeral service would be given to workers who die on the job.
This is what you need to know while considering workers’ comp insurance in Massachusetts. Do you need help with your business insurance? If so, then contact the experts at James Page Insurance. Our dedicated team is eager to assist you with all your coverage needs today.