What is Workers’ Compensation?

Workers’ compensation is a set of benefits provided to employees in Connecticut who are injured while performing job-related duties. It’s essentially an insurance policy that employers are required by law to carry. When an employee is injured on the job, workers’ compensation coverage ensures 100% of their medical costs are paid for. This system provides employees with financial support and medical care while protecting employers from lawsuits.

If you are injured at work in Connecticut, workers’ compensation is your legal right. Unlike other benefits, it does not require a lawsuit against your employer. Employers are not allowed to penalize or retaliate against you for filing a claim. You cannot be fired, mistreated, or denied opportunities for raises or promotions due to a workers’ compensation claim. The process is designed to be non-adversarial and is funded through employer insurance policies, which your wages indirectly contribute to.

What Does Workers’ Compensation Cover?

Workers’ compensation in Connecticut covers all costs related to your workplace injury, including:

• Medical care: Doctor visits, hospital stays, surgeries, and physical therapy.
• Medication expenses: Prescription drugs and over-the-counter medications prescribed by your doctor.
• Travel costs: Mileage reimbursement for trips to pharmacies, doctors, or other medical appointments.

Additionally, if your injury prevents you from working, workers’ compensation will provide a cash benefit to replace a portion of your lost wages. The amount depends on whether you are partially or fully disabled and whether the disability is temporary or permanent. While the cash benefit is generally less than your regular wages, it is tax-free.

Who is Covered Under Workers’ Compensation?

In Connecticut, all employees are covered under workers’ compensation starting from their first day on the job. While most claims originate in industries like construction, workers’ compensation applies to all businesses and industries.

Independent contractors are typically not covered, but there are exceptions depending on the nature of their work and the level of control exercised by their employer. If you’re unsure about your status, consult with a qualified attorney like the team at Bert McDowell Injury Law.

What Types of Injuries Are Covered?

Workers’ compensation covers any injury that occurs while performing job-related duties, regardless of who is at fault. For example, if you slip and fall at work, injuring your wrist, you are entitled to benefits.

Most claims occur on the employer’s premises, but workers’ compensation also covers injuries sustained in the following situations:

• At a third-party location, such as a client’s office.
• While delivering goods or running errands for your employer.
• During work-related travel or off-site meetings.
• While telecommuting or taking a work-related call from home.

However, injuries sustained while commuting to and from work are generally not covered, unless they happen on the employer’s property, such as in an employer-owned parking lot.

Do You Need a Lawyer for a Workers’ Compensation Claim?

The workers’ compensation process in Connecticut is designed to be straightforward, but issues can arise. Insurance companies and employers may attempt to downplay your injury or limit the care you receive. For that reason, it’s highly recommended to consult with an experienced workers’ compensation attorney to ensure you receive the full benefits you deserve.

At Bert McDowell Injury Law, we specialize in workers’ compensation claims and understand the challenges injured workers face. Our experienced team will guide you through the process and fight to protect your rights.

Contact Bert McDowell Injury Law for Help

If you’ve been injured at work in Connecticut, don’t navigate the workers’ compensation process alone. Bert McDowell Injury Law offers a free consultation to discuss your case and provide the support you need. Call us today at 475-231-3274 to speak to an experienced attorney who will fight for your rights.

Your health and livelihood are too important to leave to chance. Reach out to us now, and let us help you get the compensation you deserve.