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New Hampshire Workers’ Compensation Reference Chart for Adjusters, Produced by AI

23 Aug, 2025 Frank Ferreri

                               

Coverage Requirements

All employers with one or more employees must carry workers' compensation insurance. Sole proprietors and partners may opt in. Independent contractors are excluded unless misclassified. Employers must post Form WCP-1 visibly at the workplace.

Claim Reporting & Filing

TriggerAction RequiredDeadline
Injury occursEmployee reports to employer (Form 8aWCA)Within 2 years
>3 days lost time or >first aid treatmentEmployer files Form 8WCWithin 5 days
Insurer receives claimAccept or deny claimWithin 21 days

If denied, insurer issues Form 9WC. Employee may request a hearing using Form 10.Benefit Types & Calculations

Benefit TypeRSA SectionRateNotes
Temporary Total Disability (TTD)§2860% of AWWRetroactive if >14 days
Temporary Partial Disability (TPD)§31Partial wage differenceFor reduced earnings
Permanent Impairment§32Statutory formulaBased on severity
Medical Treatment§23All reasonable expensesIncludes travel reimbursement

Medical & Vocational Services

  • Workers may choose their initial provider.
  • Insurer may require switch to network provider after first visit.
  • Vocational rehab available for retraining and job placement.
  • Mileage reimbursement covered under RSA 281-A:24.

Dispute Resolution Process

  1. Pre-Hearing Conference: Informal resolution attempt.
  2. Hearing: Formal review by NHDOL hearing officer.
  3. Appeal: To Compensation Appeals Board (CAB).
  4. Further Appeal: To NH Supreme Court (rare).

Adjuster Responsibilities

  • Timely filing of Form 8WC and insurer response.
  • Accurate AWW calculation.
  • Monitor benefit eligibility and duration.
  • Coordinate medical bill review and provider compliance.
  • Communicate with NHDOL, employer, and injured worker.
  • Avoid penalties for late actions or misclassification.

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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.

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