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workers-comp-benefits-cutoff-massachusetts-1024x683Few moments are more unsettling for an injured worker than discovering that workers’ compensation benefits have stopped or been reduced. For many families, weekly checks are the primary source of income while an injury heals. When those payments change suddenly, the financial impact can be immediate.

Two things are critical at the outset: (1) workers’ compensation benefits can be reduced or terminated only for specific reasons, and (2) the insurer’s ability to do that depends heavily on whether you are still within the first 180 days of payments. This post explains common cutoff scenarios in Massachusetts, how the 180-day “payment without prejudice” period works, and what to do if your checks stop.

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work_injury_third_party_claim_no_textIf you were injured at work, you were likely told that workers’ compensation is your only remedy. Workers’ compensation does provide important benefits, but it is not always the only legal claim available — and in many cases, it is not the most valuable one.

In Massachusetts, a large number of workplace injuries are actually caused by the negligence of someone other than the employer. When that happens, injured workers may have the right to pursue a third-party personal injury claim in addition to receiving workers’ compensation benefits.

These third-party claims can dramatically increase an injured worker’s total financial recovery. Unfortunately, they are also frequently missed or never investigated, especially in high-volume workers’ compensation practices.

Understanding Third-Party Claims in Work-Related Injury Cases

A third-party claim is a civil personal injury lawsuit brought against a negligent person or company other than your employer or a co-worker.

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workers-comp-paperwork-construction-workerA new year often brings new jobs, new responsibilities, and new opportunities. Unfortunately, it can also bring new workplace injuries. If you were hurt on the job, the actions you take in the days and weeks that follow can have a lasting impact on your health, your income, and your future.

Every year, we see injured workers unintentionally harm their own workers’ compensation claims—not because they did anything wrong, but because they didn’t know how the system works. Massachusetts workers’ compensation law is complex, deadline-driven, and heavily influenced by insurance company practices.

Below are five of the most costly workers’ compensation mistakes to avoid in Massachusetts, especially as you head into a new year and try to get your life back on track.

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If you were injured at work in Massachusetts and your employer refuses to file an injury report, you are not alone. This situation happens far more often than most people realize. Every week, workers contact our office saying things like:

  • “My boss told me to use my own health insurance.”

  • “HR won’t file the paperwork.”

  • “They don’t believe the injury is serious.”

  • “They told me to take a few sick days instead.”

Here’s the truth:

Under Massachusetts law, your employer must file a First Report of Injury (Form 101) — and if they don’t, you still have the right to receive workers’ comp benefits.

This guide explains exactly what the law requires, why some employers refuse to file the report, and what steps you can take immediately to protect your weekly checks, medical care, and job.

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ChatGPT-Image-Nov-30-2025-03_42_46-PM-1024x683If you’re hurt on the job in Massachusetts, one of the most stressful moments in your workers’ compensation case is the Independent Medical Examination, commonly called an IME. The workers’ comp insurance company sends you to a doctor who they choose, at a time they choose, for an exam you didn’t ask for.

And sometimes, that doctor comes back with a report that says the one thing you’ve been dreading:

“The injury is not work-related.”

If that just happened to you, you’re not alone—and your case is far from over. At Carney, Rezendes & Crowley, we hear from injured workers every week who find themselves in this exact situation. This blog breaks down what that IME really means, what the insurance company is trying to do, and most importantly, what you can do next to protect your benefits.

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doctor-and-patient-photo-1024x683If you’re hurt on the job and receiving workers’ compensation benefits in Massachusetts, there’s a good chance the insurance company will eventually send you a letter telling you to attend something called an IME.

Most injured workers panic when this happens — and for good reason. An IME can affect your weekly checks, your medical treatment, and the entire direction of your case. But once you understand what an IME really is, why the insurance company is sending you to one, and how the results are used, you’ll be in a much better position to protect yourself.

This guide breaks it all down in simple, blue-collar language.

What Exactly Is an IME?

IME stands for Independent Medical Examination.

But the name is misleading. The doctor isn’t independent, and this exam is not for your benefit. The exam is ordered by the insurance company, done by a doctor they choose, and performed for the sole purpose of giving the insurer a medical opinion that can be used to:

  • Stop or reduce your weekly checks

  • Deny or limit your medical treatment

  • Claim you can go back to work

  • Say your condition is “pre-existing”

  • Dispute whether your injury is work-related

The doctor is not your treating physician and has no intention of giving you medical advice or helping you heal. Their job is simply to examine you quickly, review your medical records, and submit a written report that the insurer can use.

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gettyimages-509557490-612x612If you were hurt at work in Massachusetts and just received a Conciliation Notice from the Department of Industrial Accidents (DIA), you’re not alone. Every week, injured workers across the state receive this notice after an insurance company stops paying weekly checks, denies a claim, or disputes medical treatment.

This article explains what a conciliation is, why you received the notice, and exactly what to expect next — all under Massachusetts workers’ compensation law.

1. What Is a Conciliation in Massachusetts Workers’ Compensation?
A conciliation is the first step in the dispute process at the Massachusetts DIA. It’s an informal meeting, not a court hearing, where the goal is to resolve the dispute quickly — often before a judge ever gets involved.
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Getting hurt at work can turn your life upside down in an instant. Between medical treatment, lost wages, and trying to keep your household on track, the last thing you should have to worry about is fighting with an insurance company. Unfortunately, that’s exactly what many injured workers end up doing.

Hiring an experienced Massachusetts workers’ compensation lawyer levels the playing field and ensures you get the benefits you’re entitled to under the law. At Carney, Rezendes & Crowley,  we’ve seen firsthand how a well-handled claim can make the difference between financial stress and stability for an injured worker and their family.

1. The Workers’ Compensation Process Is Not as Simple as It Should Be

Massachusetts’ workers’ compensation laws are meant to protect injured workers, but in practice, the system is filled with technical rules and deadlines that can be easy to miss. You must notify your employer properly, file your claim on time, and make sure all medical documentation supports your disability.

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When you’ve been injured at work in Massachusetts, one of the biggest concerns is making sure you get the medical treatment you need. Workers’ compensation insurance is designed to cover reasonable and necessary medical treatment related to your injury. But the process isn’t always straightforward—insurance companies often delay or deny approvals, leaving injured workers frustrated.

If you’re wondering how to get your treatment authorized, this guide breaks down the steps and explains what you can do to protect your rights.

Understanding Your Rights to Medical Treatment in Massachusetts

Under Massachusetts workers’ compensation law (M.G.L. c. 152), injured employees are entitled to:

  • Payment of medical bills for treatment that is reasonable, necessary, and related to the work injury.
  • Coverage for doctor visits, surgery, physical therapy, prescriptions, and diagnostic tests.
  • Reimbursement for travel expenses to and from medical appointments.

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kin-li-vWqpKioWYmk-unsplash-scaledAt Carney, Rezendes & Crowley, LLC, we’ve represented injured Massachusetts workers for decades — including hundreds of construction workers from Boston, Quincy, Brockton, Fall River, New Bedford, Milton, Braintree, Plymouth, Taunton, and Bridgewater.

If you were hurt while working on a prevailing wage construction site, you may be entitled to substantially higher workers’ compensation benefits than most injured workers realize.

Here’s what you need to know — and how we can help ensure you’re not leaving money on the table.

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Braintree, MA 02184
Phone: (617) 472-3900

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