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Tucked in the northeastern region of the United States, Connecticut boasts a distinctive history of its own. From the vibrant city life of Hartford to the serene coastal landscapes, the Constitution State offers a captivating fusion of culture and natural allure.
With its dynamic and varied economy, Connecticut provides an abundance of prospects for businesses to flourish. Ensuring the well-being of your workforce and safeguarding your business interests hinges on acquiring the appropriate workers' compensation insurance.
Workers' compensation is a state-mandated insurance program for employers with one or more employees. It’s designed to provide employees who suffer work-related injuries or illnesses with medical treatment and indemnity benefits.
Without workers’ compensation, the cost of a work-related injured or ill employee’s medical treatment could become the responsibility of your business.
The Connecticut Workers' Compensation Commission is responsible for administering the workers’ comp law in Connecticut. The law requires employers with one or more employees to be covered by an active workers’ compensation insurance policy.
Full-time, part-time and seasonal workers are covered under Connecticut’s workers’ compensation law.
Workers’ comp coverage can be obtained through a partner like EverPeak Insurance. In Connecticut, business owners can apply to be self-insured if they have satisfactory financial wherewithal. Certificates are renewed annually.
Employees can verify online if their employer has coverage.
Policies include protection for full-time, part-time and seasonal workers.
Exemptions from workers’ comp in Connecticut may include, for example:
Workers' compensation covers a range of work-related injuries and illnesses, including physical injuries resulting from an accident and occupational diseases that may develop over time due to job conditions.
Connecticut workers’ comp insurance provides three types of benefits for work injuries:
Depending on the situation, employees can get additional benefits in Connecticut, such as:
The weekly compensation rate in Connecticut is 75% of the employee’s average weekly wage from the year preceding the injury. This average includes wages, bonuses, and overtime pay — not just the employee’s “base” salary.
Find more information on Connecticut workers’ compensation rates.
In the event of a work-related injury or illness:
Employees in Connecticut should report their injury to their employer as soon as possible.
The employee should immediately seek medical attention.
Unlike many other states that put the responsibility of filing a workers’ compensation claim on the employer, in Connecticut filings fall on the shoulders of the injured worker. Employees are required to file Form 30C to give notice to the Connecticut Workers’ Compensation Commission that they are claiming benefits.
If the workers’ compensation claim is accepted, an injured employee may begin to receive workers’ compensation benefits, such as lost wages and medical benefits.
Following their recovery, a worker is expected to resume work safely. If an employee is unable to return to their previous position or any other type of work due to their work-related injury, they may be entitled to permanent total disability benefits.
If an employee is off work for more than three days their benefits begin. While a claim is open, injured workers can receive wage loss benefits indefinitely depending on the injury and whether they can safely return to work.
Generally, employers in Connecticut with one or more employees must carry workers' compensation insurance or qualify for self-insurance. Compliance with this requirement is essential to protect both the employer and employees.
When selecting a workers' compensation insurance provider, consider factors such as the provider's experience in the industry, financial stability, coverage options, claims process, customer service, and cost.
We recommend requesting multiple quotes and comparing the offerings before making a decision.
Covering your business and employees with a trusted insurance partner — like EverPeak — brings peace of mind so you can focus on your bottom line.
Employers who fail to carry workers’ compensation insurance in Connecticut can be fined up to $50,000 with the possibility of also being charged with criminal violations.
In most cases, employees in Connecticut are barred from suing their employers for work-related injuries or illnesses. The workers' compensation system provides an exclusive remedy, meaning that employees typically cannot file a lawsuit against their employers. Instead, they must pursue a workers' compensation claim to receive benefits for their injuries or illnesses.
Generally, independent contractors aren’t covered by workers' compensation insurance in Connecticut. Workers' compensation laws typically apply to employees rather than independent contractors.
Ideally, the incident should be reported immediately or within a few days of the occurrence. Prompt reporting helps ensure the necessary steps are taken to initiate the workers' compensation claims process.
Employees can verify online if their employer has coverage.