Understanding Workers’ Compensation in Massachusetts

The Massachusetts Workers’ Compensation system is a vital safety net designed to protect workers who are injured on the job or contract work-related illnesses. This system ensures that employees are provided with insurance coverage that pays for medical treatment, compensation for lost wages, and in some cases, retraining for employees who qualify.

Under Massachusetts General Laws Ch. 152, Sec. 25A, all employers in the state are required to provide Workers’ Compensation (WC) insurance coverage to all their employees. This insurance is crucial as it covers any reasonable and necessary medical treatment related to a job-related injury or illness, as well as compensation for lost wages after the first five calendar days of full or partial disability.

The Department of Industrial Accidents (DIA) is the agency responsible for administering the Workers’ Compensation law in Massachusetts. While half of all injured worker claims are not disputed by an insurer or employer, disputes can and do occur. In the event that your claim is disputed, it is strongly advised that you seek legal counsel to protect your rights and interests. The workers’ compensation law is complex, and having legal representation can greatly benefit your case.

The law requires that the insurer pay the attorney’s fee if you win your case. In certain cases, the insurer may reduce your payments to help pay your attorney. If you lose, the attorney can charge you only for very specific expenses. While you do not necessarily need an attorney to file a claim, it is recommended that you seek legal counsel, especially if your claim is disputed. Representing yourself in proceedings before the DIA is not recommended in most cases, as the process can be challenging and overwhelming without legal expertise.

In conclusion, the Workers’ Compensation system in Massachusetts is a crucial safety net for workers, providing them with the necessary support and benefits in the event of a work-related injury or illness. Understanding your rights and seeking legal counsel when needed can help ensure that you receive the full benefits you are entitled to under the law. If your Workers’ Compensation claim has been denied and you would like to have legal representation to move forward, please contact our offices at 413-732-8356.