It is never a good day when you get hurt on the job, but luckily, Connecticut state law makes it so your employer most likely carries workers’ compensation insurance. This insurance provides coverage for you when you get injured when performing work duties. This no-fault system can enable you to get a range of benefits, depending on the type and severity of your injury.
The Workers’ Compensation Commission explains that one of the first benefits you will get is medical coverage. The insurance pays for your medical costs related to the accident from the first bill you get. You can choose your doctor, but your employer can choose the medical facility.
If your injury is severe enough to make you miss time from work, you could qualify for temporary total disability, temporary partial disability or permanent partial disability. Temporary total disability means that you cannot work at all until you heal. You can get up to 75% of your wages. Temporary partial disability means that you cannot completely do your job until you heal. Again, you qualify for 75% of your wages in payment. Permanent partial disability means that you will never be able to completely do your job again. The amount paid for this depends on the percentage of disability as determined by your doctor.
Sometimes injuries heal but later you have a relapse or issue that comes up due to the injury. Workers’ compensation allows for this by offering coverage for relapse or recurrence, offering you wages paid for the time you need off work. If you need it, you can also get job retraining.
Finally, you may be able to get discretionary benefits which are additional to permanent partial disability. Once you reach the payout limit, you may get these benefits. This information is for education and is not legal advice.