Workers Compensation in New Hampshire
State-specific overview · Employment Law
New Hampshire requires most employers to carry workers' compensation insurance, but allows some self-insurance.
How New Hampshire treats Workers Compensation
New Hampshire mandates coverage for employers with three or more employees, though sole proprietors and partners may be exempt. Employers can purchase insurance from private carriers or the state fund, or self-insure if approved by the state. The system provides medical benefits, wage replacement at two-thirds of average weekly wage, and rehabilitation services. New Hampshire also allows injured workers to sue third parties responsible for their injuries while still receiving workers' compensation benefits.
The general definition of Workers Compensation
Insurance that provides medical benefits and wage replacement to employees injured during work.
Workers compensation is a form of insurance that employers are required to carry to protect employees who are injured or become ill as a result of their job. When an employee is hurt at work, workers compensation covers medical expenses, rehabilitation costs, and a portion of lost wages while the employee recovers. In exchange, the employee generally gives up the right to sue the employer for the injury. The system is designed to provide quick, predictable benefits without the need for a lawsuit. Benefits vary by state and depend on the severity of the injury.
Read the full Workers Compensation entry →This page is a plain-English reference and is not legal advice. State laws change frequently. For specific situations consult a licensed attorney in New Hampshire.