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All businesses with 5 or more employees must provide a policy of insurance, or satisfy the requirements for self-insurance, under the Workers Compensation law. Any construction business having one or more employees must comply with the above requirements.

A workers compensation claim begins with the reporting of an injury in the workplace. This may also include off-site injuries related to employment duties. Upon report of an injury the business owner must provide medical treatment and notice of an injury to the state and the insurer.

The employer, or more likely the insurer, chooses the medical provider. This does not prevent the injured worker from seeking treatment or opinion from a medical practitioner of the worker's own choosing, however the worker must pay for these services. Nonetheless, a second opinion is recommended for those who are being treated under workers compensation to ensure prompt and necessary care is provided.

Disability as a result of the accident is often awarded on a weekly schedule. During a time of recuperation an employee may receive benefits if unable to work. Any loss of function due to the injury is rated and applied to the schedule. The policy liability limits are stated as 400 weeks at a worker's annual salary. Previous injuries to a worker may also provide an award of compensation through the state's Second Injury Fund.

If you are seeking representation, you are encouraged to complete our Client Contact form, providing any details relevant to your case. This makes it easier to make an initial assessment and schedule the necessary time for a consultation. Thank You for considering the Sullivan Law Firm, and I hope we can be of assistance. Connie M. Sullivan