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5 important facts about workers' compensation in Connecticut

Are you employed? Anyone who works in Connecticut should be aware that if they are hurt on the job, their wages are likely protected bv worker's compensation. Don't know what worker's comp is? Read on for five facts that can help you understand it better.

1. Connecticut has a no-fault system.

Unlike some other states, Connecticut has a no-fault insurance system. This means that an injured employee can access workers' compensation even if he or she was the one who caused the accident. In fact, even if the employee was born with a medical condition that could lead to problems down the line that simply arose during employment, that employee can still access compensation. Although the system is based on a no-fault model, if an employee has injures as a result of alcohol or drug abuse, the system will not cover those injuries.

2. Workers' compensation covers most employees, but not all

In fact, those who work in a private home for less than 26 hours a week are not able to access workers' compensation. Self-employed individuals typically do not have a right to workers' compensation, either, since they do not work for an employer. They are responsible for carrying their own insurance. Those who are minors, part-time employees or non-citizens can access workers' compensation.

3. Coverage provides access to medical care for occupational diseases and injuries

All medical illnesses related to the workplace can be covered by workers' compensation in Connecticut. For example, if you suffer from strains or repetitive-motion injuries, workers' compensation should provide medical treatments to help you recover. You should also have access to benefits for workplace injuries that result in scarring or physical impairment; you should be able to get surgeries or to seek other treatments to reduce or eliminate those impairments when possible.

4.You can file a claim if your employer won't

If your employer won't file a claim with his or her workers' compensation insurance provider for any reason, you have a right to do so yourself. File a written notice of claim as soon as possible following your injury, so you don't have to worry about the statute of limitations. If you wait longer than a year after an injury, you won't be able to file a claim. Occupational injuries have a longer statute of limitations, giving you three years following the manifestation of symptoms to file a claim.

5. Workers' compensation denials can be overturned

It's possible to have your workers' compensation denial overturned through an appeals process. An attorney familiar with workers' compensation law would understand best how to appeal your claim and would be able to give you insight on why your claim was denied to begin with.

After an injury, making a claim is the next step to accessing your benefits. These are just five need-to-know facts, so if you have more questions, speaking to a legal professional can help.

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