Magnifying Glass
Back to State Contact Info

Massachusetts Workers’ Compensation Reference Chart for Adjusters, Produced by AI

23 Aug, 2025 Frank Ferreri

                               

Coverage Requirements

All employers must carry workers' compensation insurance for employees, including part-time and seasonal workers. Sole proprietors, partners, and LLC members may opt out. Corporate officers with ≥25% ownership may file Form 153 to exempt themselves.

Claim Reporting & Filing

TriggerAction RequiredDeadline
≥5 days of disabilityEmployer files Form 101Within 7 days of 5th day of disability
Insurer receives Form 101 or ClaimFile Form 103 (Payment) or Form 104 (Denial)Within 14 days

Penalties range from $200 to $10,000 for delays.Benefit Types & Calculations

Benefit TypeSectionRateDuration
Temporary Total Disability (TTD)§3460% of AWWUp to 156 weeks
Temporary Partial Disability (TPD)§3560% of wage loss (max 75% of §34)Up to 260 weeks (or 520 weeks with extension)
Permanent & Total Disability (PTD)§34A66.67% of AWWLifetime
Scarring / Loss of Function§36Based on severity and SAWWLump sum
Medical Treatment§30All necessary careNo time limit

Medical & Vocational Services

  • Medical bills follow DIA fee schedule.
  • Utilization Review (UR) required even for denied claims.
  • Workers may choose their doctor but can only switch once per specialty without insurer approval.
  • Vocational rehab under §30G includes training and job placement.

Dispute Resolution Process

  1. Conciliation: Informal meeting.
  2. Conference: Judge issues temporary order.
  3. Hearing: Formal proceeding with evidence.
  4. Appeals: Reviewing Board and Court of Appeals.

Adjuster Responsibilities

  • Timely filing of Forms 103/104.
  • Accurate AWW calculation.
  • Monitor benefit eligibility and duration.
  • Coordinate UR and medical bill review.
  • Communicate with DIA, employer, and injured worker.
  • Avoid penalties for late actions.

Read Also

Massachusetts’ Exclusive Remedy Provision

State Snapshot State Snapshot Massachusetts Exclusive Remedy Provision BASIC RULE Workers’ compensation is generally the only remedy available to workers for injuries arising out of and in the course of employment. G. L. c. 152, §§ […]
Illinois Exclusive Remedy

State Snapshot BASIC RULE  Worker’s compensation is the exclusive remedy for employees who suffer an injury that arises from and occurs in the course of employment. 820 ILCS 305/5(a)  This means that the employee (or, […]
Indiana Workers’ Compensation Law Basics for Adjusters, Produced by AI

Category Key Information Coverage Requirement Required for employers with one or more employees, including part-time and minors. Nature of Coverage Statutory, no-fault insurance. Administered by the Indiana Workers’ Compensation Board. Claim Filing Deadlines Injury by […]

About The Author

  • Frank Ferreri

    Frank Ferreri, M.A., J.D. covers workers' compensation legal issues. He has published books, articles, and other material on multiple areas of employment, insurance, and disability law. Frank received his master's degree from the University of South Florida and juris doctor from the University of Florida Levin College of Law. Frank encourages everyone to consider helping out the Kind Souls Foundation and Kids' Chance of America.

More by This Author

5 Things You Can’t do if You’re Releasing Liability for a Workers’ Comp Claim in Nebraska

Simply Forms When an injured worker and the employer or carrier decide to a release of liability in Nebraska, before the parties can ink the deal, they must file a release of liability form (a […]
How is AWW Calculated in Vermont?

Compliance Corner What are the ways that Vermont computes average weekly wage? The answer to that -- and so much more -- is on Simply Research, but we highlight the basics here. 26 Weeks Average […]
Maine Top Court Focuses on Future Earnings in Setting AWW for Seasonally Laid-Off Trucker

Case File Determining which of two methods for calculating average weekly wage for an employee who worked seasonally but might have been able to do more but for her injury required Maine's Law Court to […]

Read More

Massachusetts’ Exclusive Remedy Provision

State Snapshot State Snapshot Massachusetts Exclusive Remedy Provision BASIC RULE Workers’ compensation is generally the only remedy available to workers for injuries arising out of and in the course of employment. G. L. c. 152, §§ […]
Illinois Exclusive Remedy

State Snapshot BASIC RULE  Worker’s compensation is the exclusive remedy for employees who suffer an injury that arises from and occurs in the course of employment. 820 ILCS 305/5(a)  This means that the employee (or, […]
Indiana Workers’ Compensation Law Basics for Adjusters, Produced by AI

Category Key Information Coverage Requirement Required for employers with one or more employees, including part-time and minors. Nature of Coverage Statutory, no-fault insurance. Administered by the Indiana Workers’ Compensation Board. Claim Filing Deadlines Injury by […]
South Carolina Workers’ Compensation Law Basics for Adjusters, Produced by AI

Category Key Information Coverage Requirement Required for employers with four or more employees, including part-time workers. Nature of Coverage Statutory, no-fault insurance. Administered by the SC Workers’ Compensation Commission. Claim Filing Deadlines Injury by accident: […]
Virginia Workers’ Compensation Law Basics for Adjusters, Produced by AI

Category Key Information Coverage Requirement Required for employers with more than two employees regularly in service. Nature of Coverage Statutory, no-fault insurance. Protects employers from civil suits. Claim Filing Deadlines Injury by accident: 2 years […]
New York’s Exclusivity Doctrine

State Snapshot BASIC RULE  Workers' compensation is the sole remedy for employees who suffer injuries or illnesses that arise out of and in the course of employment. N.Y. Workers' Comp. Law § 29(6).  This means […]