Workers’ compensation can be confusing. Many people think it is a government program, but it is actually private insurance that your employer purchases. The state simply manages the system to ensure employers, insurers and you follow all the laws regarding benefits, claims and other details.
Because there are a lot of different aspects of the workers’ compensation system, you may not know everything about the program that you should. The State of Connecticut Workers’ Compensation Commission provides some insight into important details you should know about workers’ compensation in the state.
No-fault
Workers’ compensation is a no-fault system, which means that you do not have to prove your case to receive benefits. It also means that your employer assumes liability for injuries you get while on-the-job. This system also prevents you from suing your employer for work accidents.
In general, as long as you meet the basic requirements, you will receive benefits of some type. Do note that accidents resulting from drug or alcohol use do not receive coverage under the system.
Case oversight
Since there are many parties involved in the system, your employer, your employer’s insurer and you, the state handles disputes and determinations. A board of commissioners is in charge of helping to resolve any issues that occur about your benefits or your right to benefits.
Back to work
The goal of the system is to get you back to work by providing you with the care and services you need to rehabilitate after your accident. There are many layers of benefits that can support you and enable you to focus on healing so that you may return to your job as soon as possible.
