In Vermont, all employers who hire full and/or part-time employees are generally required to provide workers' compensation coverage. Those employers that do not provide workers' compensation insurance in violation of labor laws can be subject to penalties and can be sued.

If your claim has been denied, or you have received less than full acceptance of coverage for your injuries, then it is time to consult with an experienced Vermont workers' compensation lawyer. At the Law Office of Charles L. Powell PLLC, I have extensive legal experience in workers’ compensation and have published the Injured Workers’ Guide to Vermont Workers’ Compensation. I know the remedies available and the process to pursue proper coverage when insurance companies fail to honor the rights of injured workers.

An independent medical examination (IME) is a medical examination that will be set up by your employer's insurer to evaluate your health and the effects of your injury. The findings will help the insurer decide what it wants to do with your claim and how much compensation the insurer wants to allow. But, remember, this is not your doctor.

In many cases, yes. If you are an independent contractor who has been injured at work, Vermont provides broad definitions of who must be covered under an employer's workers' compensation insurance. If there is a dispute, a "Right to Control" test and a “Nature of the Business” test are usually used to determine the nature of the employer/contractor relationship. In many cases, the employer is acting as a boss in these arrangements, which can help substantiate a contractor's eligibility for coverage.

There are numerous reasons why insurers deny workers' comp claims. Sometimes there are legitimate reasons: either the claim was not properly submitted or the injury itself does not warrant coverage. 

Far more often, however, denials are the result of the insurer trying to protect its bottom line. Insurers might attempt to minimize the injury event, or allege “pre-existing” conditions, or attack the employee’s credibility, or promote other reasons to deny the claim outright. In these cases, it may be necessary to retain legal counsel right away in order to recover the benefits you need.

Employers are required by law to file workers’ compensation claims with the Vermont Department of Labor. Failure to do so can result in the employer having to face legal consequences. If you believe that your employer has failed to submit your claim, even though it was reported by you, you can always reach out directly to the Vermont Department of Labor’s Workers’ Compensation Division at (802) 828-2286 to find out. If you confirm that your claim has not been submitted, you can still file a claim form on your own. It is called a Form 5 and is available on the Department website. A Vermont Department of Labor Specialist can help walk you through the process.

Workers’ compensation provides injured workers in Vermont with various types of benefits, including: 

*Up to two-thirds of your gross weekly wages while temporarily disabled 

*Medical expense benefits 

*Vocational rehabilitation 

*Transportation reimbursement 

*Permanent disability benefits 

In situations where a worker passes away due to a work-related injury or illness, the worker’s family may receive death benefits to cover final expenses and funeral costs. Since benefits may vary on a case- by-case basis, it is important to consult with an attorney to get a more accurate representation of your eligible compensation.

State law protects employees from being harassed or wrongfully terminated simply because they are receiving workers’ compensation. It is also unlawful for an employer to retaliate against a worker on account of a workers’ compensation case.

If your employer has threatened to fire you or has been bullying you because you are receiving workers’ compensation benefits, you may have grounds for legal action. The Vermont Attorney General’s office is empowered to investigate workers’ compensation discrimination and retaliation by employers.

Yes. According to Vermont’s workers’ compensation statutes, you are only required to see a company doctor for your first visit. Afterwards, you may request a Form 8 from the Workers’ Compensation Insurance company, or from the Vermont Department of Labor. This form will allow you to change your health care provider to whichever one you prefer.

You can. While you are required to attend the insurer’s independent medical examination, you and your doctor don’t have any obligation to agree with the opinions of the insurer’s doctor. Your attorney can help you to object to incorrect and inappropriate opinions by the insurer’s doctor.

It's every full and part-time employee's right to have access to workers' compensation coverage, regardless of whether your employer wants you to file a claim or not. When a work accident occurs, coverage should be provided. If your employer has tried to convince you not to file or has retaliated against you for filing, they are in the wrong.