Being injured on the job can turn an individual's life upside down for a significant period of time. Sure, his day-to-day activities will change, particularly if he is unable to work, but his financial reality may also morph into something unexpected. Medical expenses, for example, can leave an injured worker struggling to make ends meet. This problem is exacerbated when the individual is unable to return to work for a period of time, as he may lose part of his income.
Fortunately, most Massachusetts workers are covered by their employers' workers' compensation insurance. Under this program, those who have suffered an injury or illness related to their work can receive money to help them pay for their medical costs and lost wages. While workers' compensation can certainly help struggling individuals who were injured on the job, there are limitations.
For example, medical benefits provided under workers' compensation is limited to reasonable and adequate medical care. When an injury is severe, this language may be disputed as insurers try to limit the amount they have to pay out. This is why, even though an injured worker must go to a medical professional approved by his employer for the first medical visit, he should consider getting a second opinion. Using the medical evidence gathered from medical professionals is going to be one's greatest resource when demonstrating an amount of workers' compensation that is appropriate to cover reasonable and adequate medical care.
Workers' compensation claims can see a lot of pushback. From the initial claim, to appeals and reevaluations, those who have been injured in a workplace accident can be subjected to an excruciating amount of scrutiny. Yet, those who are able to recover benefits can oftentimes breathe a sigh of relief as they find the financial stability they need. Therefore, those who believe they qualify for workers' compensation should consider how to pursue it confidently and compellingly.
Source: Massachusetts Department of Labor and Workforce Development, "Medical Benefits," accessed on Apr. 7, 2017