If you are injured at work, you may not know how workers' compensation works or the benefits to which you may be entitled. Some employers may not be forthcoming about these benefits either. Below are seven important things to know about workers' compensation in New Hampshire.
1. Workers compensation will pay your medical expenses when you are hurt at work. In addition, after three days of missed work, 60 percent of your salary will be paid by workers' compensation.
2. Employers must carry workers' compensation insurance, for all employees. It must cover them even if the employee was at fault for the injury. Undocumented workers are also covered in most cases.
3. You must complete an accident report, which you get from your employer, when you report the accident. You should report any illness or injury as soon as possible, but you have up to two years to file.
4. You may see the doctor of your choice unless your employer has a managed care workers' compensation carrier. Then you must choose a doctor from a list provided. The bills for your care should be sent to your employer.
5. You must have a form signed by your doctor in order to return to work. Any follow-up instructions should be carefully followed.
6. Should your claim be denied, there is an 18-month time limit in which you can appeal.
7. An attorney who is experienced in workers' compensation appeals can be helpful in an appeal. The appeals process can be complex, so have a strong legal advocate by your side is recommended.
Source: New Hampshire Coalition for Occupational Safety and Health, "Workers' Comp Hub Newsletter for April-June 2013" Sep. 27, 2014