It is well-established under Massachusetts law that employees hurt while working can recover workers’ compensation benefits from their employers. In practice, the employer’s workers’ compensation insurer will typically provide such benefits. As such, when more than one insurer covers an employer, it may be unclear which one is responsible for paying claims, as illustrated in a recent Massachusetts case. If you were hurt at work, it is wise to talk to a Massachusetts Workers’ Compensation attorney about your rights.
Factual and Procedural History
It is alleged that the employee, a Massachusetts resident, was hired by the employer in Massachusetts to work as a camp counselor and unit leader at a camp in New Hampshire during the summer of 1994. She sustained an injury in July while working at the camp, received treatment at a New Hampshire hospital, and was released the same day. The employer had two workers’ compensation insurance policies at the time: one covering New Hampshire claims, excluding Massachusetts claims, and one covering only Massachusetts claims. The New Hampshire insurer paid some medical bills under its New Hampshire policy but denied weekly benefits due to insufficient medical evidence of disability.
It is reported that after returning to Massachusetts, the employee filed a claim with the Commonwealth’s Department of Industrial Accidents (DIA) against the New Hampshire insurer, which was denied on the basis that the New Hampshire insurer’s policy did not cover Massachusetts law. Subsequently, the employee filed a claim against the Massachusetts insurer. An administrative judge ordered the New Hampshire insurer to pay the benefits, which the New Hampshire insurer contested, asserting it was not liable under Massachusetts law. Continue reading →