What is workers' compensation?

Workers' compensation is a no-fault insurance system that provides benefits to employees who are injured or become ill due to their job. In Vermont, the system is administered by the Vermont Department of Labor, Workers' Compensation Division.

Does my employer have to carry workers' comp insurance?

Vermont requires coverage for all employers with 1 or more employees [§ 21-687]. Employers cannot opt out of coverage requirements.

How much will I receive in benefits?

Temporary total disability (TTD) benefits are 66.67% of average weekly wage [§ 21-642]. Benefits continue until mmi; no fixed maximum duration [§ 21-642].

What is the exclusive remedy rule?

The [def:exclusive remedy] doctrine means workers' compensation is generally your only remedy against your employer for workplace injuries [§ 21-622]. You typically cannot sue your employer separately for the same injury.

OverviewUpdated 2026-02-27

Vermont Workers' Compensation Guide — Benefits, Claims & Rights

Workers' compensation coverage, benefits, filing deadlines, and dispute resolution in Vermont.

Jump to:

Filing a Workers' Comp Claim in Vermont — Steps & Deadlines Workers' Comp Benefits — TTD, PPD & Medical Coverage Denied Workers' Comp Claims in Vermont — Your Options Workers' Comp Retaliation — Know Your Rights Independent Medical Exams (IME) in Vermont Workers' Comp Workers' Comp Settlements & Hearings — What to Expect

How Workers' Comp Claims Work

Workers' compensation is a no-fault system — you do not have to prove your employer was negligent to receive benefits. But the process still requires specific steps in a specific order: reporting the injury, filing a formal claim, and getting treatment through authorized providers. If the insurer disputes your claim, the process shifts to hearings and appeals. Acting quickly matters, because most states impose strict deadlines for reporting and filing.

⚠️

Injury Occurs

workplace accident

📄

Report to Employer

notify promptly

📋

File Claim

submit to insurer

🏥

Medical Treatment

authorized providers

✅

Benefits Paid

wage & medical

If Claim Is Disputed

❌

Claim Denied

insurer rejects claim

🏛️

Appeal / Hearing

before workers' comp board

💰

Settlement

lump sum or structured

High-level illustration only. Timelines, procedures, and benefits vary by state and employer.

Who Is Covered?

Vermont requires workers' compensation insurance for all employers with 1 or more employees §21-687. The Exclusive remedy doctrine means that in most cases, workers' comp is your sole remedy against your employer for workplace injuries §21-622.

Key Deadlines

Report the injury to your employer within Promptly upon knowledge; written notice as soon as practicable

File a formal claim within 6 years from date of injury or last payment of compensation

Attend all medical appointments and follow treatment plans

Cooperate with any independent medical examination requests

⚠Missing these deadlines can result in losing your right to benefits entirely. Report your injury as soon as possible.

Benefit Overview

Workers' compensation in Vermont provides several categories of benefits:

	Description
Temporary Total Disability (TTD)	66.67% of average weekly wage; Until MMI; no fixed maximum duration §21-642
Permanent Partial Disability (PPD)	Yes, permanent partial disability based on impairment ratings using AMA Guides §21-648
Death Benefits	Dependents (surviving spouse and children) receive a percentage of the worker's average weekly wage that increases with the number of dependent children, subject to statutory weekly minimums and maximums; actual burial and funeral expenses are covered up to a statutory limit, with a separate allowance for out-of-state transportation of the decedent. Confirm current rates and limits with a lawyer. §21-632
Medical Treatment	All reasonable and necessary medical care related to the work injury

Medical Treatment

Employee may choose their own treating physician; employer may require IME §21-640. All reasonable and necessary medical treatment causally related to the workplace injury must be covered by the employer or insurer.

✓Keep detailed records of every medical visit, prescription, and work restriction related to your injury. This documentation is critical if your claim is disputed.

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