26 Jun Workers’ Comp Basics
Yesterday, a driver came in to deliver a package. While he was here, the subject of workers’ compensation came up. He had been injured on the job and was frustrated with the process of filing his claims. Hopefully, you won’t get injured at your place of employment, but if you do, does your company offer workers’ compensation?
Here are some basic guidelines to help you through the process of filing a workers’ compensation claim.
- Seek medical care for your injury.
- Inform your employer about the injury as soon as possible. (Time limits vary depending on state.)
- Your employer will give you a claim form to fill out.
- Your employer submits the paperwork to the insurance carrier.
- If your state requires it, you will file a separate claim with the state workers’ compensation agency.
- You may need to have an independent medical examination. This is a visit to a doctor that the insurance carrier provides and the doctor will report the results back to them.
- If your claim is approved by your employer and the insurance carrier, an adjuster contacts you with directions on submitting your medical bills.
- Employers can fight the claim in order to keep their costs down and avoid paying for fraudulent claims, so be prepared with reports and documentation from your doctors as well as any witnesses to the incident.
- If you are unable to work during your recovery time, your insurance carrier will start sending you checks to cover your lost wages. When you return to work your employer will notify the insurance carrier.
- If you need further assistance with your claim, you can contact your state workers’ compensation office.
Unfortunately, our deliveryman needed a lawyer involved in order to receive the benefits for the complications that arose from his surgery. By following these steps and collecting all the documentation necessary, hopefully, you will have an easier experience.
Jacob Silverman “How Workers Compensation Works” 19 January 2007. HowStuffWorks.com. <http://money.howstuffworks.com/workers-compensation.htm> 22 June 2017
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Material posted on this website is for informational purposes only and does not constitute a legal opinion or medical advice. Contact your medical professional or legal representative for information specific to your needs.