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Getting workers’ compensation coverage for your lost wages

On Behalf of | Nov 17, 2021 | Workers' Compensation

When you’re hurt on the job, you may be covered by Massachusetts’ workers’ compensation insurance program. This insurance allows injured workers to recover losses such as the cost of medical bills and lost wages.

If you’re injured and cannot work for six or more full or partial calendar days, then you may qualify for temporary total incapacity benefits. Keep in mind that the days off don’t have to be consecutive, so if you miss four days one week and two another, then you may qualify at that time.

How much compensation will you get for total or permanent incapacity?

For total or permanent incapacity, you need to show that you cannot do any work. If you do this, you’ll get 66% of your gross average weekly wage. The maximum amount that you are allowed to receive is the state’s current average weekly wage at the point when you were injured. In 2021, the SAWW is $1,487.78. There is a cost-of-living adjustment that occurs annually.

What kinds of benefits can you get under temporary total incapacity coverage?

When you’re being paid for your lost wages, the state determines your payment by finding your average wage over the last 52 weeks. Then, 60% of that gross average weekly wage will be paid to you as a benefit.

What benefits do you receive if you suffer temporary partial incapacity injuries?

These kinds of injuries are a little less severe, so the coverage is different. With TPI, you may still be able to work but could earn less as a result of your injuries. As a result, you’ll only receive up to 75% of the 60% you received for your gross average weekly wage. This is a reduction made because you’re still able to earn some amount of income despite being injured.

Workers’ compensation benefits help you recover lost wages, but they will not cover the full amount that you would have earned if you could work full-time. This is important for you to understand, since you may see a sudden change in the amount of financial support you have coming in and may want to explore other options for obtaining further compensation.