Site icon AdvisorSmith

Workers’ Compensation Insurance in Connecticut

Workers' Compensation Insurance in Connecticut

Get a quote on Workers' Comp

If your business has employees in the state of Connecticut, you’ll need to make sure you adhere to Connecticut’s Workers’ Compensation Insurance laws. Workers’ Compensation provides medical and financial benefits for employees who suffer work-related injuries or illnesses or for their survivors in the case of an employee death.

Who needs Workers’ Compensation Insurance in Connecticut?

Connecticut requires all employers with one or more employees to obtain Workers’ Compensation Insurance. In Connecticut, an “employee” is usually defined as any person who has entered into or works under a contract of service or apprenticeship with an employer. 

The Connecticut Workers’ Compensation Act (WCA) defines all of the requirements for Workers’ Comp in Connecticut, and the Connecticut Workers’ Compensation Commission (WCC) monitors, enforces, and administers the program. Ensuring your company is in compliance is critical, as there are serious penalties and fines for those who fail to abide by state regulations.

What employees are covered under Workers’ Compensation in Connecticut?

Almost all workers are covered under Workers’ Compensation in Connecticut. If you provide work or services for an employer, and you are not an independent contractor, you will likely be eligible for Workers’ Compensation Insurance. 

The following are categories of employees that are eligible for Workers’ Comp coverage:

The following are categories of employees that are generally excluded from Workers’ Comp coverage:

What Workers’ Compensation benefits do employees receive?

Under Workers’ Compensation in Connecticut, employers are required to provide the following benefits to employees who are injured in the course of employment:

Medical Benefits

Temporary Total Disability Benefits

Temporary Partial Disability Benefits

Permanent Partial Disability Benefits

Permanent Total Disability Benefits

Disfigurement Benefits

Death Benefits

What are the penalties for breaking Connecticut Workers’ Compensation laws?

Failure to adhere to the Workers’ Compensation laws set out by the WCA can result in significant fines and even imprisonment. In order to avoid any costly penalties, it’s important to consult the WCA or your insurer to ensure you are in compliance. Below are the major ways in which companies can be penalized:

General Failure to Comply

Failure to Maintain Coverage

Failure to Report Injuries or Claims

Undue Delay in Adjusting a Claim or Paying Benefits


How much does Workers’ Compensation Insurance cost in Connecticut?

According to the National Academy of Social Insurance Workers’ Compensation Report (November 2020), the average employer cost for Workers’ Compensation in Connecticut was $1.10 per $100 of covered wages. This figure is estimated across all insurers and all industries, so the cost to your particular business may vary.

How does the Workers’ Compensation claims process work in Connecticut?

Employees should immediately notify their employers of any work-related injuries. Claims must be received within one year from the date of an accident or three years from the date occupational disease symptoms first arise. Employers must notify the WCC of any injuries that result in an employee being unable to work for one day or longer. The notification should be submitted within one week of the report of the injury. 

Within 28 days of receiving a claim notice, employers must either begin paying workers’ comp benefits or send a written dispute notice to the WCC and the employee. Employers can dispute claims after beginning payment as long as the dispute is made within one year of the claim notice. 

In the case of a dispute, the WCA requires parties to attempt to reach a voluntary resolution before requesting a hearing. If a resolution cannot be reached, employers or employees may request a hearing in the case of a dispute. Commissioners may hold a formal or informal hearing to resolve the dispute. If the hearings do not lead to a voluntary agreement, the WCC will make a decision and award any benefits. 

Connecticut Workers’ Compensation Insurance Resources

For more information on Connecticut Workers’ Compensation laws and requirements, please visit the following resources:

Exit mobile version