Connecticut’s Workers’ Compensation Law
Connecticut’s Workers’ Compensation Act requires businesses with one or more employees to carry workers’ compensation insurance. To comply with state law, you can buy coverage through a private insurance company, like The Hartford.
Workers’ compensation provides benefits to part- and full-time employees in the event of a work-related injury or illness. It can also help protect you against lawsuits your employees may file if they suffer a work-related injury or illness.
The State of Connecticut Workers’ Compensation Commission oversees the administration of workers’ comp in the state. It ensures workers with a job-related injury or illness receive payment for lost work time and medical expenses.1 It also has various duties related to workers’ compensation claims, such as:2
- Resolving disputes.
- Assisting in voluntary agreements. This means an insurance company agrees to provide your employee with workers’ comp benefits.
- Hearing and ruling on appeals.
- Overseeing case closings through settlements.
Workers’ Compensation: CT Coverage
Workers’ compensation insurance from The Hartford provides benefits to employees who get sick or hurt because of their job. It can also help Connecticut employees keep some of their income if they have to miss work because of a work-related injury or illness.
Some examples of how this insurance can help protect you and your employees are:
- Your employee slips on ice and breaks his arm while walking into the Stamford office. Workers’ comp can help cover the cost of his trip to the hospital.
- Your employee in New Haven loses an appendage while working on malfunctioning machinery. She undergoes surgery and needs months of recovery time. Workers’ compensation can help cover her surgery costs. It can also help give her partial wage replacement until she can return to work.
- Your employee is in a car accident while traveling out of Connecticut for business. They lose their life as a result of their injuries. Workers’ comp can help provide financial benefits to your employee’s beneficiaries. It can also help cover funeral costs.
Proof of coverage, also known as a certificate of insurance, helps businesses prove they have insurance. It also includes important policy details. Get a Workers' Comp Quote today and learn how we make getting proof of coverage easy.
Coverage requirements in the Connecticut General Statutes include businesses with one or more employees.
What’s covered? Workers' comp can help provide benefits if your employee gets sick or hurt from their job. It can also give payments to an employee’s beneficiaries if they pass away from a work-related accident or illness. Connecticut’s workers’ compensation laws also include a mileage reimbursement rate. This means employees can receive reimbursement for using their own car to go to medical appointments to treat their work-related illness or injury.
What Connecticut Workers’ Compensation Covers
Workers’ compensation insurance from The Hartford helps cover:
Missed wages if your employee has to miss work due to a work-related injury or illness. Workers’ comp can help replace some of their lost income.
Illnesses caused by exposure to allergens or chemicals while your employees are working. Workers’ comp can help cover your employee’s medical costs if they get sick from their work conditions.
Funeral costs if your employee passes away from a work-related accident or illness.
Ongoing care that may be necessary to help your employee recover from a work-related injury or illness. This can include physical therapy or additional surgeries. Workers’ comp can help cover your employee’s ongoing care costs.
Disability benefits if a work-related injury or illness is so severe that your employee can’t return to work or work in the same capacity. Workers’ comp can help provide assistance to help pay for medical bills. It can also help cover some lost wages. Connecticut employees can receive temporary disability benefits for up to 52 weeks.
Accident or injury sustained while working. Workers’ compensation insurance can help cover your injured employee’s medical costs.
Repetitive stress injuries that develop over time, instead of in one incident. Workers’ compensation can help your employees pay for coverage to recover from a work-related repetitive stress injury.
Filing a Workers’ Compensation Claim in CT
Workers’ compensation in CT requires employees to immediately report an injury or illness to their employer. The state requires all employing state agencies to accept all injury reports. State agencies can’t keep an employee from filing a workers’ comp claim. Connecticut’s report of injury process includes:4
- Your employee immediately reports their job-related injury or illness to their supervisor or employer.
- The employer submits the first report of injury to notify the insurer.
- The employer/insurer then has 28 days to start payment for lost time or deny the claim.
Connecticut Workers’ Compensation Claims
To access CT workers’ compensation forms, visit the Connecticut Workers’ Compensation Commission. Use the online forms to report an injury or start the workers’ comp claims process. To file a claim for workers’ compensation, visit our claims page today.
This article provides general information, and should not be construed as specific legal, HR, financial, insurance, tax or accounting advice. As with all matters of a legal or human resources nature, you should consult with your own legal counsel and human resources professionals. The Hartford shall not be liable for any direct, indirect, special, consequential, incidental, punitive or exemplary damages in connection with the use by you or anyone of the information provided herein.
3 State of Connecticut Workers’ Compensation Commission, “An Act Increasing the Mileage Reimbursement Rate for Workers’ Compensation Claimants.”