Have you been injured at work? If so, you need to go through the worker’s comp process to ensure your medical bills are paid and you receive disability for missed work.
To protect yourself, you need to know how to file a workers’ comp claim.
In a nutshell, worker’s comp is a type of insurance every business owner needs to have. This insurance takes care of medical benefits and pay compensation that is the result of a workplace injury.
When you experience an injury, you need to file a claim immediately to get the worker’s comp process started. However, if you have no experience with this process, you might not know how to get started.
If you need to file a worker’s comp claim but aren’t sure how, this short and simple guide is for you.
Notify Your Employer
The first step for filing a workers’ compensation claim is to notify your employer. You should do this immediately following the accident, on the same day if possible. You can speak to your immediate supervisor or your human resources representative.
Request an Official Claim Form
The next step is to ask for an official claim form, fill it out, and submit it. This starts the paper trail for your case, although you should be documenting everything as it happens. Your employer will submit the form to the insurance company.
Seek Medical Attention
Next, seek medical attention. This can be an optional step, although you likely don’t want to wait for the claim to be processed before you receive medical attention. Make sure to save your receipt and documentation of your doctor’s visit.
Consult With a Lawyer
While you are waiting for the next step in the workers’ comp process, consider seeing a lawyer. The worker’s comp insurance is a safeguard for your employer, not for you. If you’re not sure if you need a worker’s comp lawyer, here is how they can help.
Follow Your Employer’s Instructions
Next, you need to follow your employer’s instructions. This will involve seeking medical attention from the company’s worker’s comp doctor. Make sure you are following all directions so you don’t accidentally harm your case.
Consider an Application for Adjudication of Claim
After the injury, you will receive compensation for your medical bills and time off from work. However, there may come a time when you and the worker’s comp insurance company have a dispute about your needs. If this happens, consider filing an application for adjudication of claim to help you resolve any outstanding disputes.
This Is How to File a Workers’ Comp Claim
By following these steps for how to file a workers’ comp claim, you can get the process started and receive the compensation you deserve.
Start by reporting your injury to your employer. You should also request and submit an official claim form, seek medical attention, and consult with a lawyer. Make sure to follow your employer’s instructions and consider an application for adjudication of claim if necessary.
Use these tips to file your worker’s comp claim.
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