If you sustain injuries while traveling for work, workers’ compensation may cover your medical expenses and lost wages. Understanding how this works can help you navigate the process if you ever face such a situation.
What qualifies as business travel?
Business travel includes any travel you undertake at your employer’s request. This could be attending conferences, meetings, or other work-related events. The key factor is whether the travel benefits the employer. If you sustain injuries while performing duties within the scope of your employment, you may be able to get workers’ compensation.
Coverage during travel
While traveling for work, you generally have coverage from when you leave your home until you return. This coverage includes injuries sustained at airports, hotels, or in transit. However, if you deviate from your work duties for personal reasons, you may have coverage during that time.
Reporting an injury
If you get injured during business travel, report it to your employer as soon as possible. Prompt reporting ensures that they process your claim quicker. Provide details about when, where, and how the injury occurred. In Massachusetts, employers have to file an injury report with their workers’ compensation insurer, which initiates the claims process.
Medical treatment and benefits
Workers’ compensation should cover the cost of necessary medical treatment related to your injury. You may choose your healthcare provider, but you must inform your employer about the treatment you get. Keep records of all medical expenses and treatments, as these will support your claim for compensation.
On the road again
Business travel is part of many jobs, and understanding how workers’ compensation applies can make a big difference if you’re injured while traveling for work. This knowledge can ensure you receive the benefits you need to and help you focus on your recovery.
