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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.CT workers’ compensation provides benefits to part- and full-time employees if they get a work-related injury or illness. It can also help protect you against lawsuits your employees may file if they get hurt or sick from their job.
The State of Connecticut Workers’ Compensation Commission oversees 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.
Is Workers’ Comp Required in CT?
Connecticut businesses with at least one employee are required to have workers’ compensation insurance. This includes:3
- Sole proprietors
- Part-time employees
- Business partners
- Family members on the business’ payroll
- Seasonal employees
There are a few exceptions to who Connecticut considers an employee, such as:4
- Casual employees
- Employees working in a private home for less than 26 hours a week
- Corporate officers who choose not to have coverage
What Connecticut Workers’ Compensation Covers
Workers’ compensation insurance can help cover:
- Wage replacement if your employee has to miss work due to a work-related injury or illness.
- Illnesses caused by exposure to allergens or chemicals while your employees are working.
- Funeral costs if your employee loses their life in a work-related accident or illness.
- Ongoing care costs, such as physical therapy.
- Disability benefits if a work-related injury or illness leaves your employee temporarily or permanently disabled. Connecticut employees can receive temporary disability benefits for up to 52 weeks.
- Accident or injury sustained while working.
- Repetitive stress injuries that develop over time, such as carpal tunnel syndrome.
- Mileage reimbursement if your employee uses their own car to go to medical appointments.
Additional CT Workers’ Compensation Benefits
Sometimes, work-related injuries or illnesses can be severe enough that they cause:- Temporary total disability
- Temporary partial disability
- Permanent partial disability
- Disfigurement or scarring
Depending on the situation, employees can get additional benefits in Connecticut, like:
- 308a benefits, which can provide benefits up 75% of the employee’s wages before they got hurt or sick from their job.5
- Job retraining to help employees return to work in a different role.
- Relapse or recurrence benefits if an employee relapses from their recovery.
How Does Workers’ Comp Work 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:6
- Your employee immediately reporting their job-related injury or illness to their supervisor or employer.
- The employer submitting the first report of injury to notify the insurer.
- The employer/insurer either starting payment within 28 days for the lost time or denying 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 workman’s comp in CT, visit our claims page today.
How Much Does Workman’s Comp Pay in CT?
If your employee gets hurt or sick from their job, they’re entitled to 75% of their after-tax average weekly wage.7 In Connecticut, the maximum weekly compensation benefit is $1,373.1,2 State of Connecticut Workers’ Compensation Commission
3,4 State of Connecticut Workers’ Compensation Commission, “Sec. 31-275 Definitions”
5 State of Connecticut Workers’ Compensation Commission, “Sec. 31-308a Additional Benefits for Partial Permanent Disability”
6 State of Connecticut Workers’ Compensation Commission, “Information Packet”