As with Colorado, the state workers’ comp rules make some sort of distinction between injuries that are emergency and life threatening and those more routine accidents were life and limb aren’t at risk. For the latter, your employees generally are encouraged to report their injury to you first before seeking medical care. On the other hand, if they fear for their safety after a bad accident, they should get themselves care and then report.
Even with routine injuries though, your employees should make sure to get medical care, even if it’s just a minor cut on their hand or a stubbed toe, say. Getting this medical treatment is basically essential for you to be able to make that claim to your workers’ comp insurance company. It is as important as them reporting their injury to you and, in Connecticut, reporting any witnesses that might have seen the accident.
Of course, when it comes to medical care in the state of Connecticut for workers’ comp, it is up to you the employer to decide which doctors are within the Workers’ Comp network. If employees go to a doctor outside of your network, their claim—and your money—could get tied up in red tape.
Once your workers have gotten medical care and reported the incident to you, the next important step to make sure that they cover is to fill out a state of Connecticut workers’ comp Accident Report. The Accident Reports have to be filled out no matter how minor or serious the injury is.
Employers, here is where you can step in on the next step. It is up to the injured employee’s supervisor to contact the claims adjuster for the state of Connecticut—in the case of state of Connecticut employees, for instance, the firm is called GAB Robins, though every employer will have their own outside adjuster crew to call.
The state of Connecticut enacted its Workers’ Comp Act in 1913. That means the state was there almost in the very beginning, back from Teddy Roosevelt first passed the federal law that created the concept of workers’ comp and made employers responsible for paying for their workers if they get injured or sick on the job.
These workers’ comp benefits in Connecticut break down to simple categories that we can review so that you, the employers of Connecticut, can know what your responsibilities are in the terrible event one of your employees gets hurt.
First, when an employee gets hurt, injured, or sick on the job, necessary medical benefits are one of the first types of benefits that they become eligible for. That makes sense. Say one of your employees gets their finger sliced off during a machine accident. Your first and foremost concern as their boss would be to get that finger sewed on, the wound stitched up, and the bleeding stopped.
The second type of benefit that employees are eligible for are the monetary benefits. These are basically made up of the pay checks that employees would otherwise miss because they are recuperating at home because of their injury. Say that employee with no finger couldn’t come back to work right after the accident, at all. Then they would receive what is called Temporary Total Disability benefits.
These types of benefits can even include relapses, or aggravations of an old work-related injury. Let’s say somebody at your warehouse got a hernia two years back from lifting heavy boxes and then this afternoon, they re-aggravated that hernia moving products off of the trucks. They would be eligible for compensation as they got over this second bout with the hernia.
Employees can even be eligible for Temporary Partial Disability, if they can return to work with their injury, but have to perform another job until they heal.