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What is Workers' Compensation (WC)?

Workers’ Compensation (WC) is an insurance system that gives benefits to workers who are injured on the job or get a work-related illness. The Division of Industrial Accidents (DIA) is in charge of this program in Massachusetts.

Am I eligible?

All employers in Massachusetts are required by law to have workers' compensation insurance for their employees. Employees who have work-related injuries or illness are eligible for benefits. Coverage starts the first day on the job. Undocumented workers are eligible.

What benefits will I get?

Workers' compensation gives medical benefits, cash benefits, and vocational rehabilitation benefits. All of your medical costs will be paid by the insurance company. You can get a weekly cash payment up to 60% of your average weekly wage for temporary disability. You can get lifetime benefits if you are permanently and totally disabled.

How do I apply?

If you need medical treatment or if you are disabled as a result of your injury, it is your employer's responsibility to file reports to make sure you get workers' compensation benefits. If your employer refuses to file the reports, you will have to contact the insurance company and the Department of Industrial Accidents yourself. You can call the Department of Industrial Accidents toll-free at 1-800-323-3249 for information about benefits, how to file a claim, and what to do if your employer refuses to help you.

How do I use my benefits?

You will get an insurance card with a claim number to use when you get medical treatment. You can choose your own doctor. You can get your cash benefits by check or direct deposit. These benefits are not taxable.

Useful links

Links to other web sites with information about the Workers' Compensation program.

Workers' Compensation section last updated on 4/14/10