Fall River, MA asked in Workers' Compensation for Massachusetts

Q: Will suing workers comp insurance raise my employers rates?

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1 Lawyer Answer
Michael Levin
Michael Levin
  • Workers' Compensation Lawyer
  • Sturbridge, MA
  • Licensed in Massachusetts

A: The answer is: sort of. Workers' comp insurance is rated first and foremost on a percentage of the wages paid to the employer's workers. Assuming there are no work incidents, that's all they really have to work with. However, once an incident occurs, the insurance company will factor in how expensive that claim was and adjust their premiums accordingly. If the injury was minor and involved little more than a visit to a doctor, then it probably won't change much, if at all. However, if it was a catastrophic injury that cost them bajillions of dollars, then yes, it will certainly make their cost of coverage go up. It's called an "experience modification rating" system and is similar to any other form of insurance. The more you claims cost them (the insurance co.), the more your premium goes up. Hope that helps.

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