While employees in Connecticut generally have access to workers’ compensation benefits, the status of contract workers may differ.
There are many different elements to determining if a worker has access to workers’ compensation benefits. The situation may differ depending on whether you work for an employer or you are self-employed.
Employee vs. independent contractor
In Connecticut, determining whether an individual is an employee or an independent contractor gives insight into eligibility. Employers typically have stronger claims to workers’ compensation benefits, whereas independent contractors usually do not receive the same benefits and protections.
Determination of employment status
There are a few factors that affect employment status in Connecticut. Employers assess the extent of control they exercise over the worker’s tasks, working hours and methods of work. They also consider whether the worker’s services are an integral part of their business operations.
Employers evaluate how they compensate the worker, including regular wages, benefits or expense reimbursements, and they look into the level of independence the worker has in their work, such as the ability to work for multiple clients or hire assistants.
Workers’ compensation for contract workers
In general, independent contractors in Connecticut do not qualify for workers’ compensation benefits, but there are exceptions. For example, workers may challenge their status if employers misclassify them as independent contractors instead of employees, thereby seeking workers’ compensation benefits.
Contract workers who operate as sole proprietors and do not employ other workers are generally not eligible for workers’ compensation. However, they may choose to purchase voluntary workers’ compensation coverage for themselves.
It is important to note that each case is unique, and determining employment status can be complex. Your employer should carry some form of workers’ compensation in case an employee sustains an injury on the job. If you are an independent contractor, you can protect your own financial well-being in case of injury by purchasing a policy yourself.