How to File a Workers Compensation Claim
For employees who experience a work-related injury or illness, having workers’ compensation insurance can help them immensely. However, when it comes to the process of filing a claim, many employers and employees are unsure of where to start.
For an employee to receive medical care and a portion of their lost wages while they are out of work, they must:
Report the Injury
The deadline to report an injury to an employer varies by state, so it is important they let the company know they have been hurt on the job as soon as possible. If they suspect they need medical care, they should seek it immediately.
File a Claim
After reporting the injury, the employer will need to give the worker any necessary forms to complete regarding the accident. The employer will then submit the forms to their insurance company as well as the state workers’ compensation agency.
In certain states, at the start of the case the employee may be required to file an official worker’s comp claim form with the state workers’ compensation agency.
What to Expect Next
Before approving or denying the employee’s claim, an insurance company will conduct an investigation. The insurer should decide within two to four weeks. If the claim is approved, the benefits will start immediately. However, if the claim is denied, the employee has the right to an appeal.
Not only does workers’ compensation benefit employees, but it also protects employers by keeping them from paying out expensive medical costs to workers who get hurt on the job. Work injuries are not only a financial burden, but they also lessen employee morale, cause daily operations to fall behind schedule, and foster an unhealthy company culture.
If you are looking to obtain workers’ compensation insurance for your employees, Professional Employer Resources Inc. (PER) can help by assuming all administration of this required policy. For more information or to get started, please call us today at 888-599-4991.