2018 Code Snapshot
The New Hampshire workers' compensation system is governed by the Workers' Compensation Act (WCA) and the accompanying Code of Statutes, which were last updated for 2018. The core statutes remain the same as earlier editions, but the 2018 edition clarifies definitions, streamlines the claims process, and adjusts benefit limits for specific injury categories.
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Eligibility and Coverage
Employers of any size are required to carry workers' compensation insurance or self‑insure. Coverage applies to employees who incur an injury or illness that is work‑related, regardless of fault. The 2018 codes reaffirm that independent contractors are excluded unless they meet the "employee" definition under the statute.
Benefit Structure
Benefits are split into medical, temporary total disability (TTD), temporary partial disability (TPD), and permanent total disability (PTD). The 2018 codes specify the following limits:
| Benefit | Maximum Monthly Payment | Duration |
|---|---|---|
| Medical | $2,500 per incident | Up to 24 months |
| TTD | 70% of average weekly wage, capped at $1,500 | Up to 12 weeks |
| TPD | Up to 50% of average weekly wage | Until return to work |
| PTD | Up to 80% of average weekly wage | Permanent |
Claim Filing and Timelines
Employees must file a claim within 30 days of injury. Employers are required to report the claim to the insurer within 7 days. The 2018 code adds a 60‑day deadline for insurers to provide an initial medical assessment. Delays beyond these periods can result in penalties and loss of benefits.
Dispute Resolution
Disputes over benefit amounts or eligibility go to the Workers' Compensation Commission. The 2018 statutes introduce a mandatory mediation step before a hearing, aiming to reduce litigation costs. If mediation fails, parties may appeal to the New Hampshire Superior Court.
Employer Compliance Checklist
- Maintain current insurance policy or self‑insurance proof.
- Post the statutory notice on a prominent workplace location.
- Keep accurate wage records for benefit calculations.
- Report all injuries within 7 days.
- Respond to insurer inquiries within 5 business days.
Practical Tips for Claimants
- Document the injury with photographs and medical reports.
- Keep a daily log of pain levels and missed work days.
- Submit all required forms promptly to avoid benefit delays.