Workers’ compensation is a form of insurance that pays employees in the event that they become sick or injured on the job. Workers’ compensation also protects the employer from having to cover an injured worker’s medical bills, so it is in the best interest of both the worker and the company to have this coverage. It is a requirement for most employers in Massachusetts to carry workers’ comp.
Workers’ compensation covers a wide range of workplace-related ailments in Massachusetts. What does it not cover?
Injuries sustained off the clock
Workers’ compensation does not cover accidents sustained outside of the workplace. This is true even if the injury results from something similar to what the employee does for work. For example, a mechanic cannot collect workers’ compensation if they hurt themselves while working on their personal vehicle during their day off.
Cases where the employee is at fault
Most cases where the court finds an employee to be negligent do not qualify for workers’ compensation. This could happen if an employee shows up to work under the influence of drugs or alcohol, for example, and receives an injury as a result of their intoxication. Similarly, injuries sustained during a fight instigated by the employee would also not likely be eligible for coverage.
Because workers’ compensation covers so many things, it is always a good idea for the employee to check and see where their injury falls. However, being aware of what workers’ comp does not include can help workers make the best medical decisions for themselves.