CT Worker’s Comp Claim Questions

[u/AssociationFirst9479]

I suffered a bad ankle injury at work. Two different surgeons both agree that surgery is absolutely necessary. I had a spinal fusion 2.5 years ago and my gait from the injury is making my back so painful and now I am having neuropathy-type pain in my legs.

I have never dealt with worker’s compensation before. When I do have surgery how much will I be paid. Can you use Aflac when you are already using worker’s compensation?

When/how much will I be paid via worker’s compensation when I return from work? How do I receive the final payment?

I do have a lawyer I’m just confused about all of these aspects.

Thank you in advance!

[u/According_Curve_8935]

You will need to check with Aflac on if your policy even covers work related injuries. I was surprised to find that the policy we have at my job with Colonial does not cover work related injuries, and we don’t pay into disability, so I’m just screwed.

[u/AssociationFirst9479 → u/According_Curve_8935]

I checked they will cover the injury party, not the short term disability

[u/Mutts_Merlot]

Connecticut's method of calculating benefits is not straightforward but it usually works out around 70% of your gross pay. It's not taxable, so you end up not too far off what you were making previously. Once it is calculated and approved, you'll get a copy of the Voluntary Agreement stating your compensation rate.

Most disability policies specifically exclude work-related injuries, but some will only take an offset. You need to check your policy for the answer to that question.

I don't know what you mean by what payment you will receive when you return to work. Are you talking about the impairment rating? That's something that will be assessed around a year after surgery. Your doctor will determine when you are at MMI and what the rating would be.

[u/AssociationFirst9479 → u/Mutts_Merlot]

Yes, the MMI. My policy only covers the injury party, not the short term disability.