Benefits Of Workers' Compensation

In Massachusetts, the Department of Industrial Accidents (DIA) oversees the state workers’ compensation system. Following an on-the-job injury, there are two main benefits available to the injured employee. Medical benefits pay for any necessary treatments — including surgery, medication, and rehabilitation — while weekly monetary benefits compensate the employee for any lost income. Temporary disability benefits are paid out weekly at 60% of the employee’s average weekly wage for a maximum of three years. Permanent disability benefits are paid out for the remainder of the employee’s life at 2/3 of their average weekly wage.

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Workers’ compensation goes into effect when a work-related injury prevents an employee from being able to work for 5 or more calendar days. Once the fifth day of work has been missed, the employer has 7 business days to report the injury to their insurance company. The insurance company then has 14 calendar days to start paying benefits or contest the claim.