Disclaimer: This article is for educational purposes only and does not constitute legal advice. Consult a qualified attorney for advice on your specific situation.
Connecticut Lost Wage Recovery Options After an Accident
If an accident-related injury forces you out of work, Connecticut law offers several paths to recover lost wages. You can claim benefits through workers’ compensation, auto insurance, third-party personal injury suits, and private or government disability programs. Each option has its own rules, deadlines, and benefit limits.
1. Workers’ Compensation Benefits
If you’re injured on the job, you may qualify for wage replacement under Connecticut’s Workers’ Compensation Act. Benefits generally cover two-thirds of your average weekly wages, subject to minimum and maximum limits. You must report the injury to your employer within 90 days and file a claim with the Workers’ Compensation Commission.
Key statute: CT Gen. Stat. § 31-306 (disability benefits).
2. Personal Injury Protection (PIP) Under Auto Insurance
Connecticut is a no-fault auto insurance state. Your own insurer pays Personal Injury Protection (PIP) benefits, even if you caused the crash. PIP covers up to 85% of your lost wages, up to $600 per week, beginning the eighth day after the accident. You must submit proof of loss and wage statements to your insurer within one year.
Key statute: CT Gen. Stat. § 38a-363 (PIP benefits).
3. Third-Party Personal Injury Claims
If another party’s negligence caused your injury—such as a careless driver or property owner—you can file a third-party lawsuit. You may recover full lost earnings, including future wage loss if you can’t return to your prior job. File your suit within two years of the accident under Connecticut’s statute of limitations for personal injury.
Key statute: CT Gen. Stat. § 52-577 (two-year statute of limitations).
4. Private and Government Disability Benefits
Supplement your claims with private short- or long-term disability policies offered by your employer or bought privately. You can also apply for federal Social Security Disability Insurance (SSDI) if your injuries meet the Social Security Administration’s definition of disability, typically requiring a year-long inability to work.
Helpful Hints
- Document your injury and wage loss: keep pay stubs, time records, and medical reports.
- Notify your employer and insurer promptly to meet reporting deadlines.
- Understand each benefit’s waiting period and maximum payout.
- File within the statute of limitations: two years for personal injury, one year for PIP.
- Consider consulting an attorney to review your coverage and deadlines.