Aside from the exceptions listed above, Massachusetts law requires employers to carry worker’s compensation coverage if they have one or more employees unless they choose to self-insure. If your employer is not self-insured or has not purchased the required workers’ comp coverage, you might still be able to receive benefits from your workplace injury or illness.
You must file a claim with the Massachusetts Department of Industrial Accidents (DIA). The Workers’ Compensation Trust Fund (WCTF) will provide weekly benefits, similar to workers’ compensation coverage, if it approves your claim.