Injuries at work are both scary and disruptive. Workers’ compensation is available to help provide medical and financial care for injuries that occur at work. The claims process is confusing. Here is a guide that will help you receive the support you need.
Step 1: Seek medical attention
Prioritize your health. Seek medical attention immediately, even for minor injuries. Tell the doctor the injury is related to work. This creates an important medical record that links your injury to your work.
Step 2: Report Injury Promptly
Don’t delay! Most states have a time limit within which work-related injuries must be reported. This is usually within a couple of days or weeks. Inform your supervisor immediately, ideally by writing. It will create a record of the event.
Step 3: Make a formal claim
You should receive a form for filing a claim with the workers’ compensation. It is important to fill it out correctly and submit it as soon as possible. Contact the workers’ compensation board in your state for help if you cannot find a form.
Step 4: Maintain detailed records
Documentation is essential. Keep copies of your medical bills, doctor notes, accident reports and all communications with your employer or insurance company. Keep detailed records to strengthen your claim in the event of any problems.
Step 5: Understand Your Benefits
Workers’ compensation usually covers medical costs and a portion lost wages during your recovery. Benefits and eligibility are determined by each state. To understand your specific benefits, visit the website of your state’s Workers’ Compensation Board.
Step 6: Do not discuss fault with your insurance company
Avoid blaming the insurer. Be polite, but do not discuss fault. Keep it simple: What happened, when and where? Any statement you make could be used against your claim.
Step 7: Consider Legal Aid
Workers’ compensation can be a complex process. Consult a workers compensation lawyer if you are facing challenges or have suffered a serious injury. A lawyer can protect your rights and make sure you get fair compensation.
Final Thoughts
This is only a guide. The workers’ compensation laws differ from state to state. For the latest information, always contact your state’s board of workers’ compensation. The claims process can be confusing, but by following the correct steps and submitting the proper documentation you will receive the help you need to get well and return to work.
This article was written by Jeanette Secor PA Attorney at Law.
Since over 20 years, Jeanette Secor’s law firm in St. Petersburg has been the first choice of those who are seeking justice following an injury. Jeanette Secor is renowned as slip-and fall injury lawyer St. Petersburgl. She has successfully represented clients in car accidents and motorcycle accidents.
