Hurt on the Job: How to File a Workers' Comp Claim

Workplace injuries happen every day, and being hurt on the job can be devastating, both to the employee and to their finances. Medical bills are expensive, so injured employees who are unable to work often file for workers compensation which will help pay them benefits until they are able to work again. The exact steps to filing a workers compensation claim will vary from state to state, but here are the basic steps that every injured employee will need to take.

1: Tell Your Employer

No matter how severe you feel the injury was, you should always be sure to tell your employer right away. In most states if you decide to file a claim, you will have 30 days from the time of the accident to file. But even if you don’t know if you will claim tell your employer so the injury can go on the record.

2: See a Doctor

After being injured you should always go to see a doctor, even if you don’t think the injury is very severe. A doctor can often catch damage that the employee hadn’t noticed yet. Be sure to tell your doctor that you were injured on the job, so he can file to correct reports.

3: Speak To The HR Department

If you decide that you will file for workers comp then you will need to speak to your companies HR department. They should be able to help you obtain the correct forms to make your claim. If your claim is accepted you will probably have to make regular reports to the HR department regarding your medical appointments.

4: Turn in Claim From

After you speak to your HR department it is important to turn in your claims forms completed and before the deadlines.

5: Get A Second Opinion

After you file a claim you should expect to receive a request from your employer’s insurance company that you submit to a second doctor’s evaluation. After you see this doctor, then a recommendation for your benefit payment will be made.

Once you have filed for your claim some additional points to consider might be;

Speak to an Attorney

It is often not necessary to speak to an attorney when filing for workers compensation, but if you are unsure if you are getting a good deal, consult with a personal injury lawyer before you agree to any workers comp deal. If you take the benefits you are often waving your right to litigation, so it is better to speak to a lawyer first if you have any doubts. If you are ever called before a judge, then it is recommended that you consult a lawyer first.

Medical Services While Recovery

In the event that your claim is granted you will be expected to keep regular medical appointments, designed to encourage your full and healthy recovery. It is crucial that you make it to every appointment, because missing even one could allow the employers insurance to claim that you are medically non-compliant, allowing them to discontinue benefits. Similarly you must fill every prescription, and attend any and all specialist appointments your medical provider subscribes. Depending on the state you file in you may be allowed to keep your current doctor, you may be assigned one, or you might be permitted to pick one from a list of approved doctors.

Paperwork and Documentation

It is advisable to keep copies of any and all paperwork connected with your case. You should keep a copy of the claims forms to show you did file, in case paperwork is lost. Additionally you will probably be expected to turn in the documentation from doctors and other medical appointments to your companies HR department.