Workers’ Compensation

Workers’ Compensation Attorney

Injured workers in Connecticut face many challenges on their road to recovery, including potential legal issues related to a workers’ compensation claim. While Connecticut law states most businesses must provide workers’ compensation insurance for their employees, many employers vigorously fight these claims, denying injured workers their rightful benefits. Without the money from a workers’ comp claim, many injured employees face significant financial strain and have trouble getting proper medical treatment for their injuries.

As a highly experienced Connecticut workers’ compensation law firm, Holth & Kollman, LLC, proudly protects the rights of injured workers in employer insurance disputes. Our workers’ compensation attorneys know what’s at stake for you and how to win these challenging cases. We have served clients in the New London region for over 40 years, and our track record demonstrates our skill and determination on behalf of our clients. Our team will handle all the details of your workers’ comp claim and guide you through the entire process, including any appeals if your employer denies your claim. Call us today or complete our contact form for a free consultation.

What Is Workers’ Compensation?

Workers’ compensation is an insurance program that provides injury compensation and medical care to employees who suffer an illness or injury at work. When an employee sustains a workplace injury or develops a job-related illness, this system helps cover their medical expenses and part of their wages while they recover. Workers’ comp is meant to get benefits to injured workers without making them go through the process of filing a lawsuit to get the help they need. 

Who Qualifies for Workers’ Compensation in Connecticut?

Almost all employers in Connecticut must provide workers’ compensation coverage to their employees. This rule applies to full-time and part-time employees alike. However, Connecticut law says certain workers do not qualify for workers’ comp coverage, including:

  • Independent contractors
  • “Casual workers,” which typically means employees hired for non-recurring work that is not a part of the company’s regular operations
  • Family members, unless their wages are included in the payroll used to calculate the company’s workers’ comp insurance premium
  • Domestic workers who do not regularly work more than 26 hours per week for the same employer

Corporate officers, if they opt out of workers’ compensation coverage in writing

What Benefits Does Workers’ Compensation Provide?

Here’s a quick overview of the benefits you may qualify for:

Medical Treatment

Workers’ compensation covers all necessary medical care required to treat your work-related injury or illness. This includes the cost of visiting doctors, hospital stays, medications, and any required therapy. While your employer can choose where you receive your initial treatment for a work-related injury or illness, the Workers’ Compensation Commission says you have the right to choose your own attending physician to oversee your treatment. However, if your employer has a Medical Care Plan as part of their workers’ compensation coverage, you can only choose from doctors in that plan.

Wage Replacement Benefits

If you cannot work due to your injury, Connecticut workers’ comp law provides wage replacement benefits to help you meet your financial needs. These benefits include:

Temporary Total Disability (TTD): If you cannot work at all, you can receive TTD benefits. These benefits are equal to 75 percent of your after-tax weekly wage, calculated from your earnings before the injury. That said, the state places limits on how much you can receive in TTD benefits, and the amount changes every year.

Temporary Partial Disability (TPD): If you can work after your injury but not quite at the same level as before, you may qualify for TPD benefits. These benefits are equal to 75 percent of the difference between your current earnings and your pre-injury wage.

Permanent Partial Disability (PPD)

If you suffer a permanent injury that doesn’t completely disable you, you could qualify for PPD benefits. The amount of these benefits depends on the body part affected and the extent of the impairment, according to your doctor’s assessment.

Job Retraining

If you cannot return to your previous job due to your injury, you may qualify for vocational rehabilitation services. These workers’ compensation services can include job retraining and assistance in finding new employment.

Other Benefits

Finally, Connecticut workers’ compensation also covers additional costs such as travel expenses for medical treatments and, in some cases, compensation for significant scarring or disfigurement.

Typical Steps in a Connecticut Workers’ Comp Claim

In Connecticut, the process of filing and processing a workers’ compensation claim follows a structured path to ensure fair evaluation and distribution of benefits. Here’s a step-by-step outline of a typical workers’ compensation claim:

  • Report the Injury or Illness: The employee must immediately report the work-related injury or illness to their employer. Prompt reporting is crucial, as it can affect whether the injured worker’s employer accepts their claim.
  • Initial Medical Treatment:The employee receives initial medical treatment from their employer’s designated facility or doctor. After this, the employee can choose their attending physician for further treatment. If their employer has a list of approved doctors, the employee must choose from that list.
  • Employer Notification: Following the injury report, the employer must file a “First Report of Injury” with their workers’ compensation insurance carrier. The employee should also complete and submit a Form 30C (Notice of Claim for Compensation) to their employer and the Workers’ Compensation Commission.
  • Medical Care and Wage Replacement Benefits Begin: If the injured worker’s employer does not dispute the claim, the insurer will start paying for medical care and wage replacement benefits as appropriate.
  • Reaching Maximum Medical Improvement (MMI):Once the employee reaches MMI, the attending physician will evaluate them to see if they have a permanent impairment that may qualify them for Permanent Partial Disability (PPD) benefits.
  • Claim Closure or Settlement: If the employee returns to work and no further benefits apply, the claim might be closed. Alternatively, the injured employee and their employer may try to reach a settlement if the employee has ongoing disability benefits or medical needs.

Most Common Causes of Work-Related Injuries in Connecticut

Work-related injuries and illnesses in Connecticut can arise from various factors, including:

  • Slips, Trips, and Falls: These accidents can occur due to wet or uneven surfaces, inadequate lighting, or obstacles in walkways.
  • Overexertion: Physical strain from lifting, pushing, or carrying heavy objects can lead to musculoskeletal injuries like strains and sprains.
  • Falling Objects:Employees may suffer injuries from objects falling from shelves, machinery, or elevated work areas.
  • Repetitive Motion: Tasks that involve repetitive movements, such as typing or assembly line work, can cause repetitive strain injuries like carpal tunnel syndrome.
  • Contact with Equipment and Machinery: Injuries can occur from contact with machinery, tools, or equipment, often resulting in cuts, lacerations, or crush injuries.
  • Exposure to Harmful Substances: Chemicals, toxins, and other hazardous substances present in the workplace can cause respiratory problems, skin irritation, or long-term health issues.

How a New London Workers’ Compensation Lawyer Can Help

Holth & Kollman, LLC, proudly supports workers’ rights in Connecticut and deeply understands injury compensation law. We can handle all the paperwork for your workers’ compensation claim and gather the necessary medical evidence to support your case. If your employer denies your claim or tries to deny the full benefits you’re entitled to, our compensation attorneys can handle any appeals to protect your workers’ rights. We have ample experience providing compensation claim assistance and will aggressively protect your rights under Connecticut law.

Don’t wait to get the legal help you need for a work-related injury or illness. Contact Holth & Kollman today for a free case evaluation.

New London, Connecticut, Accident Lawyer Serving Clients Throughout Connecticut

The law limits the time you have to file a claim after getting hurt in an accident in New London. Don’t delay – contact Holth & Kollman, LLC, today for a free, no-obligation consultation to speak with an experienced injury lawyer. We know the devastating consequences that accidents can have on the lives of hardworking people. Our firm will leave no stone unturned as we pursue the financial resources you need to recover from your injuries and move forward with your life.

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