Connecticut Workers' Compensation Law: Key Points for Employees and Employers

What Makes Connecticut's Workers' Compensation Unique

Connecticut's workers' compensation framework differs from neighboring states mainly in its strict filing deadlines and the requirement that employers maintain a dedicated workers' comp insurance policy through a state‑licensed carrier. Employees must file a claim within 90 days of injury, or they risk losing benefits. Employers are held liable for providing medical care and wage replacement up to specific limits, and must submit an annual report to the Department of Labor and Industry.

Eligibility and Coverage Scope

Any employee who sustains a work‑related injury or illness—whether occurring on or off the job premises—is covered. Coverage includes:

• Medical treatment and related expenses
• Temporary total or partial disability wages
• Permanent total or partial disability compensation
• Rehabilitation and vocational training
• Death benefits to dependents if the injury is fatal

Filing Process and Timelines

Employees must file a claim with the employer's insurance carrier. The claim must be submitted within 90 days of the injury date. If the employer fails to provide a valid insurance policy, the employee may file directly with the Department of Labor and Industry. Employers must respond to claims within 30 days and provide all required medical documentation.

Employer Responsibilities and Penalties

Employers must:

• Obtain workers' comp coverage from a licensed carrier
• Maintain accurate payroll records to calculate wage replacement limits
• Provide timely medical care and necessary treatment referrals
• Report workplace injuries to the state within 30 days

Failure to comply can result in fines, increased premiums, and potential civil liability.

Dispute Resolution and Appeals

Disagreements over benefits can be appealed through the Connecticut Workers' Compensation Appeals Board. The board reviews medical evidence, wage calculations, and employer compliance. Employees can also seek judicial review in state court if the board's decision is unsatisfactory.

Common Challenges and Best Practices

Employees often miss the 90‑day filing window or misunderstand wage replacement calculations. Employers may struggle with accurate reporting or timely medical referrals. Best practices include:

• Educating staff on injury reporting protocols
• Regularly reviewing insurance coverage and policy limits
• Implementing a robust incident tracking system
• Maintaining open communication with medical providers and insurers