As a business owner, it is your responsibility to make sure your employees are comfortable and secure. By offering Massachusetts workers compensation, you are able to give your employees peace of mind knowing that their medical expenses and loss of time at work will be covered. Sure, you have this policy in place because it is required, but what actually happens when an employee is injured?
Once an injured employee is not able to earn wages for five full of partial calendar days, the employee becomes eligible for weekly compensation benefits. These days do NOT have to be consecutive.
Once five work days have passed, it is the employer’s responsibility to file the Employer’s First Report of Injury or Fatality (Form 101). This form must be submitted to: the DIA, the insurance carrier and the employee. Note: The DIA requires employers to send the form within seven calendar days (excluding Sunday/holidays) from the fifth day the employee has been disabled.
What happens if the employee does not report the injury as work-related right away?
Again, you would have seven calendar days (excluding Sunday/holidays) from the date of notification to file the form.
As you can see, filing a Massachusetts workers compensation claim is fairly simple. Now all you can do is hope your employee has a speedy recovery! If you have any other questions or concerns, never hesitate to speak with us at Wolpert Insurance. Our insurance experts would be more than happy to assist you!