The Intelligent Insurance Solution

Common Questions & Answers Concerning Workers’ Compensation

Below are answers to some frequently asked general questions regarding workers' compensation. You are encouraged to speak directly with your claim representative regarding any specific questions you may have pertaining to your claim or benefits.

What is workers’ compensation?

Workers’ Compensation is protection for you if you are injured in the course of your employment.  It is a no-fault system of insurance.

What should I do if I am injured at work?

You must tell your employer (a supervisor or a member of management) as soon as possible that you have been injured.

What should my employer do when I report an injury?

Your employer will file a First Report of Injury form and send it to the Trust so we may review the claim.  We will then contact you directly for more information.  

Can I get medical care for my injury?

Yes. In most cases, your supervisor will send you to a first treatment center for immediate care.  Your organization participates in a State of Connecticut Workers’ Compensation Commission approved Medical Care Plan. This means that if you require non-emergency medical care, your supervisor will make certain that you receive prompt medical treatment through a designated First Treatment Center. After initial treatment, if treatment with a specialist is necessary, the Plan covers providers in the following specialties: Chiropractic, Neurology, Neurosurgery, Orthopedics, Physical Medicine & Rehab, Physical Therapy, Hand Surgery and Pain Management. If the physician
you need to see is in a specialty that is not covered by the Plan, you have the right to choose and treat with any Connecticut physician in that particular specialty.