Key Differences in Vermont Workers' Compensation
Vermont requires all employers with one or more employees to carry workers' compensation insurance, unlike some states that exempt small businesses. The state uses a "no-fault" system, meaning benefits are provided regardless of who caused the injury, but wage replacement is capped at 66.7% of the employee's average weekly wage, up to a statutory maximum that is adjusted annually.
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Eligibility and Reporting Requirements
Any employee who suffers a work‑related injury or illness qualifies for benefits. Employers must report a claim to the Vermont Workers' Compensation Board (VWCB) within 30 days of learning of the incident, and the employee must file a claim form within 90 days, otherwise benefits may be forfeited.
Types of Benefits
Vermont provides four main benefit categories:
- Medical care – full coverage for necessary treatment.
- Temporary total disability (TTD) – wage replacement while the employee cannot work.
- Permanent partial disability (PPD) – compensation for lasting impairments.
- Death benefits – wage replacement for dependents and funeral expenses.
How Benefits Are Calculated
The wage‑replacement rate is 66.7% of the employee's average weekly wage (AWW) calculated from the 13 weeks prior to injury, subject to the state's maximum AWW. For TTD, benefits continue until the employee returns to work or reaches maximum duration, typically 104 weeks. PPD benefits are based on a schedule of specific injuries and the degree of loss.
Mobile‑First Filing and Claim Management
Because many users access state resources on smartphones, the VWCB portal offers a responsive design and a dedicated mobile app. Steps for a mobile‑friendly claim:
- Log in to the VWCB portal using a secure ID.
- Upload medical documents and photos directly from the device.
- Use the app's push notifications to track claim status.
- Set reminders for required follow‑up appointments.
Employer Responsibilities and Penalties
Employers must maintain continuous coverage, display the workers' comp notice in a visible location, and cooperate with investigations. Failure to carry insurance can result in fines up to $1,000 per day and potential criminal charges for reckless disregard.
Comparative Overview
| Aspect | Vermont | Typical Neighboring States |
|---|---|---|
| Coverage Threshold | All employers (≥1 employee) | Often ≥3 employees |
| Benefit Rate | 66.7% of AWW | 60‑70% of AWW |
| Maximum AWW | Adjusted annually (≈$1,500) | Varies, often lower |
| Reporting Deadline | 30 days (employer), 90 days (employee) | 30‑45 days common |