In Massachusetts, claims against your employer must go through the Department of Industrial Accidents.  Basically, to determine the damages you are entitled to, the department utilizes a formula based on your injuries and how long your ongoing treatment continues.  With these cases, if the insurance is not covering medical expenses, you can bring a claim.  You should speak with an attorney who does Worker's Compensation.  Attorney's fees for these cases are typically statutory and paid directly by the insurance company, so it typically does not cost out of pocket money to hire an attorney.