Is A Massachusetts Based Business Required to Have Workers’ Compensation?

This is a commonly misunderstood area. Many people believe that a worker’s compensation insurance policy is a discretionary item for smaller businesses. In fact, in Massachusetts:”With limited exceptions, every employer in the Commonwealth with one or more employee(s) is required by law to have a valid workers’ compensation policy at all times. This “no fault” insurance not only provides injured workers with medical care and partial wage replacement, but also protects the policyholders from potentially damaging lawsuits” ( From Labor and Workforce Development).

Another common question relates to benefits. The benefit is based on your average weekly salary for the year prior to the date of your on the job injury. Worker’s compensation pays 66.6% of your average weekly salary up to a max of $736/wk and no taxes are withheld.

A related question is the benefit percentage amounts a disabled worker is entitled to. “Total and permanent incapacity is 2/3 of average weekly pay and total incapacity is 60% of the average weekly pay, up to 156 weeks”.

This information is a general guide. For the application to your case you should consult with an attorney in the Lowell area regarding your specific case.Please call attorney Jeff Young for a complimentary case review #978-654-6670 or visit our website: .