What if I Live in Another State but Work for a Vermont Employer?

Workers’ compensation laws can be quite confusing when your job crosses state lines. Many people reside in one state while working for a company located in another. If you live outside of Vermont but are employed by a Vermont-based employer, you might still be eligible for coverage under Vermont workers’ compensation laws if you sustain an injury while working. Here’s what you should know.

Does Vermont Workers’ Compensation Cover Out-of-State Workers?

In many cases, the answer is yes. Vermont workers’ compensation law can apply even if you reside elsewhere. The most crucial factors are your employment relationship and the location of your employer. Vermont workers’ compensation law may apply if your employment is primarily based in Vermont or your work is directed/controlled from Vermont, even if you live or are injured elsewhere.

Benefits for Out-of-State eResidents

If you file your claim through the Vermont Department of Labor, you are entitled to the same benefits as a Vermont resident. These include:

• Medical Benefits: Coverage for all reasonable and necessary medical treatment related to the injury.
• Wage Replacement: If you cannot work for more than three days, you may be eligible for Temporary Total Disability (TTD) benefits, which are typically two-thirds of your average weekly wage.
• Rehabilitation: Access to vocational rehabilitation if you cannot return to your previous job.

Important Steps To Take

If you are injured while working for a Vermont employer, even if you live in another state, it is important to act quickly. Small delays can create big problems for your claim.

First, report the injury to your employer as soon as possible. Vermont law expects workers to give notice quickly. Waiting too long can raise doubts about how the injury happened.

Next, seek medical attention and ensure you clearly tell the doctor that your injury is work-related. This creates a medical record linking your injury to your job, which is critical to your claim.

You should also follow all medical advice and attend every appointment. Insurance companies often review your treatment history closely. Missed visits can be used against you.

Additionally, keep detailed records of everything. Save medical bills, reports, emails, and any communication with your employer or their insurance company. Strong documentation helps support your case if questions or disputes arise later.

Common Challenges To Expect

Out-of-state claims often involve additional issues. For example, there may be disagreements about which state should handle your claim. Insurance companies may try to shift responsibility to another state to avoid paying.

You may also face delays while your claim is being reviewed. This can slow down access to medical care or wage benefits.

Because these cases can be complex, speaking with an experienced workers’ compensation attorney can help you understand your rights, determine where to file your case, and avoid costly mistakes that could delay or reduce your benefits.

Contact Sluka Law

If you have questions about an out-of-state work injury, our experienced Vermont workers’ compensation lawyer at Sluka Law PLC can review your case, explain your options, and help you pursue the full benefits you may be entitled to receive.

Source:

legislature.vermont.gov/statutes/chapter/21/009