Workers’ Compensation Q&A

Worker’s compensation in MA can be a little confusing, here are some commonly asked questions and answers.

Workers’ comp is made to compensate works for injuries and illnesses that arise in the workplace. But sometimes the contracts can be so long it makes people’s head spin, and they give up reading them, leaving them with many questions. As insurance companies, it is your job to make sure that no client question is left unanswered. Here are some common questions (and corresponding answers) regarding worker’s compensation in MA.

Q: What is workers’ compensation?

A: Workers’ compensation is a state-mandated insurance program that provides compensation if an employee succumbs to a work injury or illness at the workplace. An employee can usually get their benefits regardless of who was at fault. As a result of these benefits, the employee receiving benefits usually does not have a right to sue the employer for those injuries.

Q: Does workers’ comp on cover medical bills?

A: While medical bills are covered to treat your injury, it can also cover disability payments while you are unable to work. It may also pay for rehabilitation, retraining, and other benefits too.

Q: Do I have to be at work to be covered by workers’ compensation?

A: No. As long as their injury is job-related, it is covered. For example, if they work with harmful chemicals and they fall ill while they’re at home, running work-related errands, or travelling for business, they will be covered.

Q: Under what circumstances can I sue my employer for a work-related injury?

A: Yes. If an employee’s injury or illness us due to some reckless or intentional action by their employer, they can circumvent the workers’ comp system and directly sue their employer in court for all sorts damages.

Contact PMC Insurance Group for the support you need to get your home healthcare accounts the coverage they deserve. We’re dedicated to serving the home health industry and have a number of workers’ comp solutions we can offer you in MA. Call us today!

By PMC Insurance Group

Since 1996, PMC Insurance Group has worked to help independent agents grow their client base by offering workers' compensation solutions for a wide array of businesses. As one of the most distinguished workers' compensation wholesalers in the country, we have the tools and resources to help you create coverage programs for both small businesses and large accounts.