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Workers' Compensation Act
The Connecticut Workers' Compensation Act was
first enacted in 1913. There have been numerous changes to the Act
since that time, but the main premise of the Act has always been
to provide wage replacement and other benefits, as well as medical
treatment, for those employees who have been injured, disabled,
or killed while performing their jobs. In most cases, such employees
are ONLY eligible for benefits under the Workers' Compensation Act
and are prohibited from suing their employers for benefits. (However,
employees and/or employers may sue a third party, if they believe
that another party or a product was responsible for an employee's
The Workers' Compensation Commission
The Workers' Compensation Act also sets up an
administrative system to provide for workers' compensation benefits.
The agency created in the Act is the Connecticut Workers' Compensation
Commission, which administers the statutes of the Act.
Workers' Compensation Benefits
When an employee is injured on or becomes ill
from the job, he or she becomes eligible for a number of statutory
1. Necessary Medical Treatment:
The most immediate concern in cases of occupational
injury or occupational disease is the health and physical well-being
of the employee.
2. Monetary Benefits:
In addition to necessary medical treatment, the
employee may be incapacitated from work for a period of time, during
which he or she is eligible for wage replacement benefits according
1. Whenever an employee is unable to perform
ANY job, he or she is eligible to receive Temporary Total Disability
benefits. The value of these benefits is calculated in different
ways, depending upon the date of the work-related injury or illness.
2. When an employee suffers a relapse or recurrence
of the original injury or illness, he or she may receive benefits
for the period of the relapse or recurrence. The value of these
benefits is calculated based upon the original date of the injury
or illness and the wages earned at that time and at the time of
the relapse or recurrence.
3. When an employee is able to perform SOME type
of work, but not the original full-duty work which caused the injury
or illness, he or she may receive Temporary Partial Disability benefits.
These are also valued at different amounts, depending upon the date
of injury or illness. However, in many cases these benefits will
be the same amount as those the claimant received while totally
4. When an employee suffers a permanent disability,
he or she may receive Permanent Partial Disability benefits, which
serve as compensation not for lost earnings, but for having suffered
a permanent and partial disability to some part(s) of the body.
These benefits, again, are valued differently according to the date
of the injury or illness which caused the disability.
5. An employee who suffers a disfigurement or
scar due to a job injury or illness may be eligible for Disfigurement
and Scarring benefits. The value of an award for disfigurement or
scarring depends upon the nature of the disfigurement or scar and
whether it falls within the statutory definition for benefits.
6. In addition to the statutory benefits listed
just above, a Workers' Compensation Commissioner may also grant
benefits to an employee for any number of reasons which the claimant
may present (i.e., still unemployed but looking for a job, going
through a job retraining program and needs living funds for a short
period, etc.). These are known as "308a" benefits and
are discretionary. That is, a Commissioner may or may not award
these benefits, based on his or her review of a claimant's request
for benefits and any evidence which supports such a request.
3. Vocational Rehabilitation:
The Workers' Compensation Act also provides for
vocational rehabilitation for those employees who are injured at
or who become ill from their work and who cannot return to the work
which caused the injury or illness. Such employees may be eligible
for vocational rehabilitation from the Workers' Compensation Commission's
Rehabilitation Services unit.
This is only a very brief overview of the benefits
provided by the Connecticut Workers' Compensation Act. More detailed
information about benefits and many other aspects of the workers'
compensation system is contained within the pages of the State
of Connecticut Workers Compensation Commission website.
Be sure that your in-home business is properly
and adequately insured. Our agency can help you get the most appropriate
coverage for your home business.
Any other questions? We'll be glad to help. Call