FAQs

What if my employer won’t pay me any benefits?

IIHC will refer you to an attorney who will contact your employer directly to determine why benefits are not being paid. If the problem persists, you should file a claim at the Commission and your attorney may request a hearing.

Can I be fired for reporting an accident or filing a claim?

It is illegal for an employer to harass, discharge, refuse to rehire, or in any way discriminate against an employee for exercising his or her rights under the law.

How do I know whether I am covered by workers' compensation?

Generally, there are two main factors that determine your status: first, whether you are an employee, and second, whether your injury occurred as a result of your employment.

Do I have to be injured at work to be covered by Maine workers compensation?

No. However, your injury must be job-related in order to be covered. For example, you will be covered if you are injured while running a work-related errand, traveling on business, or attending a required business-related social function. However, generally you will not be covered while traveling to and from work.

What types of injuries are covered by Worker's Compensation? Any injury that arises out of and in the course of employment is compensable. If an injury occurs at work regardless of who is at fault, it will generally be covered unless the injured person is guilty of serious and willful misconduct. Employees who become disabled due to repetitive activities such as lifting are entitled to benefits under the law. In addition, cumulative trauma/repetitive motion injuries such as carpal tunnel syndrome and tendonitis are covered.

Who pays for workers compensation benefits?

Your employer is required either to carry workers' compensation insurance, or to be self-insured. Your employer's insurer is the one responsible for making payments to you.

Maine

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