{"id":376517,"date":"2016-10-31T11:42:53","date_gmt":"2016-10-31T16:42:53","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/tennessee-law\/tennessee-workers-compensation-laws.html"},"modified":"2018-12-08T00:00:00","modified_gmt":"2018-12-08T05:00:00","slug":"tennessee-workers-compensation-laws","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/tennessee-law\/tennessee-workers-compensation-laws.html","title":{"rendered":"Tennessee Workers&#8217; Compensation Laws"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Tennessee Workers&#039; Compensation Laws<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    <p><i>Created by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw&#8217;s team<\/a> of legal writers and editors<\/i><\/p>\n\n                | Last updated\n        <time>\n                            December 08, 2018\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>Maybe you tripped over wires while working at the Grand Ole Opry, or hit your head waiting tables at a blues club in Memphis. In any case, injuries are an unfortunate fact of life for workers in Tennessee. Because of this, the state requires that virtually all non-government employers purchase <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/workers-comp-benefits-explained.html\" target=\"_blank\">workers&#8217; compensation insurance<\/a>, a no-fault system of coverage for work-related injuries and illnesses. If you think your injury or illness is work-related, you&#8217;ll need to know the ins and outs of pursuing workers&#8217; comp in Tennessee.<\/p>\r\n<p>The following table highlights key aspects of the workers&#8217; compensation laws in Tennessee, including some types of available benefits and important deadlines.<\/p>\r\n<table cellspacing=\"0\" cellpadding=\"7\" border=\"1\">\r\n<tbody><tr><td><b>Important Deadlines<\/b><\/td>\r\n<td><ul>\r\n<li>30 days to inform employer of injury (<a href=\"https:\/\/codes.findlaw.com\/tn\/title-50-employer-and-employee\/tn-code-sect-50-6-201.html\" target=\"_blank\" rel=\"noopener\">Sec. 50-6-201<\/a>)<\/li>\r\n<li>1 year after accident or last payment to challenge a claim denial or dispute (<a href=\"https:\/\/codes.findlaw.com\/tn\/title-50-employer-and-employee\/tn-code-sect-50-6-203.html\" target=\"_blank\" rel=\"noopener\">Sec. 50-6-203<\/a>)<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><tr><td><b>Some Types of Benefits<\/b><\/td>\r\n<td><ul>\r\n<li><u>Medical care<\/u>: all reasonable and necessary medical care required to treat the injury, including some travel expenses (<a href=\"https:\/\/codes.findlaw.com\/tn\/title-50-employer-and-employee\/tn-code-sect-50-6-204.html\" target=\"_blank\" rel=\"noopener\">Sec. 50-6-204<\/a>)<\/li>\r\n<li><u>Temporary partial disability<\/u>: for employees temporarily disabled from performing job at full-capacity; two-thirds of the difference between pre-injury wage and post-injury wage (<a href=\"https:\/\/codes.findlaw.com\/tn\/title-50-employer-and-employee\/tn-code-sect-50-6-207.html\" target=\"_blank\" rel=\"noopener\">Sec. 50-6-207(2)<\/a>)<\/li>\r\n<li><u>Temporary total disability<\/u>: compensate worker unable to work for a temporary period of time; two-thirds of employee&#8217;s average weekly wage (<a href=\"https:\/\/codes.findlaw.com\/tn\/title-50-employer-and-employee\/tn-code-sect-50-6-207.html\" target=\"_blank\" rel=\"noopener\">Sec. 50-6-207(1)<\/a>)<\/li>\r\n<li><u>Permanent partial disability<\/u>: benefits where injury affects ability to do certain jobs, but employee still able to work in some capacity; two-thirds of employee&#8217;s average weekly wage (<a href=\"https:\/\/codes.findlaw.com\/tn\/title-50-employer-and-employee\/tn-code-sect-50-6-207.html\" target=\"_blank\" rel=\"noopener\">Sec. 50-6-207(3)<\/a>)<\/li>\r\n<li><u>Permanent total disability<\/u>: compensate employee rendered permanently unable to work anywhere; two-thirds of the employee&#8217;s average weekly wage (<a href=\"https:\/\/codes.findlaw.com\/tn\/title-50-employer-and-employee\/tn-code-sect-50-6-207.html\" target=\"_blank\" rel=\"noopener\">Sec. 50-6-207(4)<\/a>, <a href=\"https:\/\/codes.findlaw.com\/tn\/title-50-employer-and-employee\/tn-code-sect-50-6-209.html\" target=\"_blank\" rel=\"noopener\">50-6-209(a)<\/a>)<\/li>\r\n<li><u>Death benefits<\/u>: up to $7,500 in burial costs; survivors&#8217; benefits for dependents of an employee who dies from a work-related injury or disease (<a href=\"https:\/\/codes.findlaw.com\/tn\/title-50-employer-and-employee\/tn-code-sect-50-6-204.html\" target=\"_blank\" rel=\"noopener\">Sec. 50-6-204(c)<\/a>, <a href=\"https:\/\/codes.findlaw.com\/tn\/title-50-employer-and-employee\/tn-code-sect-50-6-209.html\" target=\"_blank\" rel=\"noopener\">50-6-209(b)<\/a>)<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><tr><td><b>Employer Obligations<\/b><\/td>\r\n<td><ul>\r\n<li>Employers with 5 or more full or part-time employees (and all construction employers) are required to purchase workers&#8217; comp insurance or qualify as self-insured (exceptions include state &amp; local governments) (<a href=\"https:\/\/codes.findlaw.com\/tn\/title-50-employer-and-employee\/tn-code-sect-50-6-103.html\" target=\"_blank\" rel=\"noopener\">Sec. 50-6-103<\/a>, <a href=\"https:\/\/codes.findlaw.com\/tn\/title-50-employer-and-employee\/tn-code-sect-50-6-104.html\" target=\"_blank\" rel=\"noopener\">50-6-104 et seq.<\/a>, <a href=\"https:\/\/codes.findlaw.com\/tn\/title-50-employer-and-employee\/tn-code-sect-50-6-102.html\" target=\"_blank\" rel=\"noopener\">50-6-102<\/a>)<\/li>\r\n<li>Employer may restrict employee&#8217;s choice of physician (<a href=\"https:\/\/codes.findlaw.com\/tn\/title-50-employer-and-employee\/tn-code-sect-50-6-204.html\" target=\"_blank\" rel=\"noopener\">Sec. 50-6-204(a)3<\/a>)<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr><\/tbody><\/table>\r\n<h2>First Steps After an Injury<\/h2>\r\n<p>If you&#8217;re sick or injured, you should give notice to your employer or supervisor as soon as possible. If you don&#8217;t give notice to your employer within 30 days, you risk losing your right to compensation. Once your employer knows about the injury, it has one day to report it to the insurance company, which has 14 days to begin payments or deny the claim. Your employer may also limit your choice of physicians with a <a href=\"https:\/\/www.tn.gov\/workforce\/injuries-at-work\/bureau-services\/bureau-services\/workers--comp-forms\/c42-panel-form.html\" target=\"_blank\" rel=\"noopener\">list of authorized providers<\/a>.<\/p>\r\n<h2>What Can I Do About Claim Disputes?<\/h2>\r\n<p>In exchange for these no-fault workers&#8217; comp benefits, you generally give up your right to <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/workers-compensation-can-i-sue-my-employer-instead.html\" target=\"_blank\">sue your employer<\/a>. Additionally, you may be denied benefits if the accident was caused by your willful misconduct, intoxication, or drug use. However, you do have options if your claim is denied or there is a dispute regarding benefits, including the following:<\/p>\r\n<ul>\r\n<li>Discuss the issues with your employer or the insurance company;<\/li>\r\n<li>Contact the <a href=\"https:\/\/lwdsupport.tn.gov\/hc\/en-us\/articles\/205001417-Who-may-I-contact-with-additional-questions-\" target=\"_blank\" rel=\"noopener\">Division&#8217;s Ombudsman Program<\/a><\/li>\r\n<li><a href=\"https:\/\/www.tn.gov\/content\/dam\/tn\/workforce\/documents\/injuries\/bureau-services-forms\/LB-1120.pdf\" target=\"_blank\" rel=\"noopener\">Seek assistance<\/a> from the Bureau within one year of the injury or last payment of benefits<\/li>\r\n<li>If mediation fails, file a <a href=\"https:\/\/www.tn.gov\/content\/dam\/tn\/workforce\/documents\/injuries\/bureau-services-forms\/Hearing_Request.pdf\" target=\"_blank\" rel=\"noopener\">Request for Initial Hearing<\/a> (<a href=\"https:\/\/www.tn.gov\/content\/dam\/tn\/workforce\/documents\/injuries\/bureau-services-forms\/Hearing_Request.pdf\" target=\"_blank\" rel=\"noopener\">expedited<\/a> if regarding temporary benefits) with the Court of Workers&#8217; Compensation Claims<\/li>\r\n<\/ul>\r\n<p>An <a href=\"https:\/\/www.findlaw.com\/injury\/workers-compensation\/get-legal-help-with-a-workers-compensation-issue.html\" target=\"_blank\">attorney<\/a> can be very helpful during any stage of this process by answering your questions, helping you meet deadlines, and representing your interests against opposing counsel.<\/p>\r\n<h2>Get Professional Help With Your Tennessee Workers&#8217; Comp Concerns<\/h2>\r\n<p>Workplace injuries cause both physical and financial pain. Workers&#8217; compensation is designed to return you to work and to health, but you&#8217;ll need to navigate deadlines and paperwork first. If you&#8217;ve suffered a workplace injury or illness, let an <a href=\"https:\/\/lawyers.findlaw.com\/employment-law-employee\/tennessee\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">injury attorney<\/a> familiar with Tennessee&#8217;s workers&#8217; compensation laws help you.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" 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was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n     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deadlines.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":376381,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":[]},"categories":[2743],"tags":[],"state_laws_tags":[3451],"flmsa":[],"class_list":["post-376517","page","type-page","status-publish","hentry","category-state","state_laws_tags-statelaws_43_7"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/376517","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=376517"}],"version-history":[{"count":0,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/376517\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/376381"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=376517"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=376517"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=376517"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=376517"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=376517"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}