Worker's Comp lied to us.

[janedoe]

I've worked in insurance so I'm not really surprised but this was weird.

My husband broke his kneecap on site while working on a W2. We're heavily insured so we didn't think anything about it but they filed with worker's comp and we got a call from the agent shortly after his surgery and she verified that he was starting work again the next Monday. Without us asking anything, she told us all about his payroll benefits for the four days he lost and went so far as to give us an actual amount. He's working from home now and it's a sit down job anyway so not a big deal. But I did budget the money she had quoted us.

A month later and nothing. We have had serious mail delivery issues so we called today and she said point blank that the first five days are excluded in Massachusetts. She got really pissy about it too. We were just kind of like, OK. Mind you, this company is in Massachusetts so it's not like she didn't know that before.

There was just no reason for it. We're having a hard enough time without being deliberately misled by this person. Just no reason for it at all.

[POPTOP]

Geez! I've never heard of days being excluded concerning workers comp. You might want to search into that. Remember, their job is to pay as little as possible.

Are they covering ALL of his expenses connected with the injury?

[janedoe]

Geez! I've never heard of days being excluded concerning workers comp. You might want to search into that. Remember, their job is to pay as little as possible.

Are they covering ALL of his expenses connected with the injury?

She said they were. But then today my husband asked about transport to the site which she had offered before and she questioned him on it and again was pretty nasty. He has to show up sometime. More than three months away is really pushing it. Then she said she needed business three days notice which is new. That's just not going to happen so I'll do it.

I just wish she hadn't created the expectation. It was so unnecessary.

[smartrock]

I would have thought payment was from the first day of no work but your state's Worker's comp sounds like it requires 5 or more days of full or partial lost wages to pay a % of wages, although medical care should be covered. After 5 days you get 60% of lost wages. At least that's my reading. Sounds like whoever you spoke to gave incorrect information and is trying to avoid blowback by being nasty rather than apologizing and admitting she was mistaken. You might not like that they told you the wrong thing but at least they'd own their mistake.

https://www.mass.gov/eohhs/docs/dph/o...mp-booklet.pdf