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Massachusetts law

Workers' Compensation Laws in Massachusetts.

Massachusetts workers' compensation law requires all employers to carry coverage, with no minimum employee threshold. Temporary total disability (TTD) benefits pay 60% of the injured worker's average weekly wage, subject to a maximum of the state average weekly wage. Massachusetts has a unique feature: after 5 years of total incapacity benefits, a cost-of-living adjustment (COLA) is applied. The state also provides vocational rehabilitation benefits.

Last verified: 2026-02-25

State law

Statute of Limitations

4 years from injury (or knowledge of causal connection)M.G.L. c. 152, § 41

Workers' compensation claims must be filed within 4 years of the date of injury or within 4 years of the date the employee became aware of the causal connection between the disability and employment.

Exceptions

Notice to Employer30 days (recommended as soon as possible)M.G.L. c. 152, § 41

The injured worker should notify the employer as soon as possible, and written notice should be provided within 30 days. Failure to notify does not bar the claim if the employer had actual knowledge or was not prejudiced by the delay.

State law

Key Massachusetts Statutes

TTD Benefits (Temporary Total Incapacity)M.G.L. c. 152, § 34

TTD benefits are 60% of average weekly wage, subject to a maximum of the state average weekly wage (SAWW). Benefits begin after a 5-day waiting period. If disability lasts 21+ days, the waiting period is paid retroactively. Benefits are payable for up to 156 weeks (3 years).

Permanent Total DisabilityM.G.L. c. 152, § 34A

If totally and permanently disabled, benefits continue at 2/3 (66.67%) of average weekly wage with no time limit. After 5 years of § 34A benefits, an annual COLA adjustment applies based on the increase in SAWW.

Partial Disability BenefitsM.G.L. c. 152, § 35

Temporary partial incapacity benefits are 60% of the difference between pre-injury and post-injury wages, subject to a maximum of 75% of the TTD rate. Payable for up to 260 weeks (5 years).

Universal Coverage RequirementM.G.L. c. 152, § 25A

All employers in Massachusetts must carry workers' compensation insurance, regardless of the number of employees. There is no small-employer exception. Failure to carry insurance is a criminal offense.

Lump Sum SettlementM.G.L. c. 152, § 48

Parties may settle a workers' compensation claim via lump sum agreement. The settlement must be approved by an administrative judge at the Department of Industrial Accidents (DIA).

State law

Official Sources

Not Legal Advice

This page summarizes publicly available statutes and rules for informational purposes only. It does not constitute legal advice, and no attorney-client relationship is created by viewing this content. Laws change — always verify with the primary source or consult a licensed attorney in Massachusetts.

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