What workers' compensation covers in New Hampshire
Workers' compensation in New Hampshire provides medical care, wage replacement, and disability benefits to employees who suffer work‑related injuries or illnesses. It is a no‑fault system, meaning benefits are paid regardless of who caused the incident, while protecting employers from lawsuits.
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Eligibility criteria
To receive benefits, the employee must be covered by the state's workers' compensation insurance, be injured or become ill due to work activities, and file a claim within the statutory time limits (generally within two years of the injury). Independent contractors and certain volunteers may be exempt unless they opt into coverage.
How to file a claim
1. Report the injury to your employer immediately, preferably in writing.2. Employer must complete a First Report of Injury (Form 1) and submit it to the NH Department of Labor.3. Employee receives a Claimant's Statement (Form 2) to detail the injury and medical treatment.4. Submit the completed forms to the Department, either online via the Workers' Compensation portal or by mail.5. Keep copies of all medical records, receipts, and correspondence.
Benefits overview
Workers' compensation benefits fall into three main categories:
- Medical benefits: Full coverage for doctor visits, hospital stays, surgeries, medication, and rehabilitation services related to the injury.
- Wage replacement: Temporary Total Disability (TTD) pays 66⅔% of the employee's average weekly wage, capped at the state maximum, after a one‑week waiting period. Permanent Partial Disability (PPD) and Permanent Total Disability (PTD) provide ongoing payments based on the extent of lasting impairment.
- Other benefits: Vocational rehabilitation, death benefits for surviving dependents, and indemnity for loss of limb or vision.
Employer responsibilities
Employers in New Hampshire must maintain a workers' compensation insurance policy or obtain self‑insurance approval from the Department. They must post the Workers' Compensation Notice in a visible location, report injuries promptly, and cooperate with medical providers and the Department's investigations.
Dispute resolution and appeals
If a claim is denied or benefits are disputed, either party can request a hearing before the Workers' Compensation Appeals Board (WCAB). The board reviews evidence, may order medical examinations, and issues a written decision. Further appeals can be made to the New Hampshire Court of Appeals.
Key timelines and limits
| Action | Deadline | Notes |
|---|---|---|
| Employer reports injury (Form 1) | Within 7 days of knowledge | Late reports may incur penalties |
| Employee files claim (Form 2) | Within 2 years of injury | Exceptions for latent injuries |
| Medical provider submits bills | Immediately after service | Ensures timely payment |
| Request WCAB hearing | Within 30 days of denial | Must be in writing |
Resources and contact information
The New Hampshire Department of Labor Workers' Compensation Division can be reached at 603‑271‑5600 or via the online portal at nh.gov/labor/wc. Forms, FAQs, and detailed benefit tables are available on the site.