What Are the Most Common Types of Workers Compensation Benefits in Massachusetts?

In Massachusetts, workers’ compensation benefits are designed to provide financial support and medical coverage for employees who are injured on the job. The most common types of workers’ compensation benefits available include:

1. Medical Benefits: These cover the costs of necessary medical treatment for work-related injuries, including doctor visits, hospital stays, surgeries, physical therapy, and medications. All medically necessary treatments related to the injury are covered without any out-of-pocket expenses for the employee.
2. Temporary Total Disability (TTD): If you are unable to work due to your injury, TTD benefits provide a portion of your lost wages. In Massachusetts, this benefit typically pays 60% of your average weekly wage, up to a state-set maximum. TTD benefits are meant to support you while you recover and are temporary in nature.
3. Temporary Partial Disability (TPD): If you are able to work but can only do a reduced workload or part-time due to your injury, TPD benefits provide compensation for the difference between your pre-injury wages and your reduced earnings. This is also a temporary benefit.
4. Permanent Total Disability (PTD): If your injury permanently prevents you from working at all, PTD benefits provide compensation for lost wages for the duration of your disability.
5. Death Benefits: If a worker dies due to a work-related injury, their dependents may be eligible for death benefits to help with funeral costs and living expenses.

Each of these benefits is designed to support injured workers during their recovery and ensure they receive fair compensation for their injuries.