The purpose of worker's compensation insurance is to provide benefits, medical treatment and salary--usually at a reduced rate--to an employee who has been hurt on the job. To receive these benefits, you must file a claim within a specified time period. In some cases, you are required to see a physician who is authorized by your state's Worker's Compensation Board.
Instructions
File Your Claim in a Timely Manner
1. Receive medical care for your work-related injury or illness as soon as possible. If you are going to file a claim, be sure your doctor is in the network of accepted providers for worker's compensation cases. In the event of a true emergency, go directly to the nearest emergency room for immediate treatment, regardless of who is in-network.
2. Notify your supervisor and the human resources office in writing when you have sustained a work-related injury or illness. Usually, you need to let your office know of injuries within 30 days of the date of injury. If you have become sick due to work conditions, let your employer know as soon as you have determined that the illness developed from work.
3. Fill out the forms provided by your human resources department in order to file the insurance claim. You will need to be able to recount accurately how the injury or infection occurred.
4. Be honest when your employer's insurance company contacts you to speak with you about your diagnosis and treatment. Stretching the truth in order to receive more benefits can lead to a disallowed claim, in which you would get nothing.
5. Return to your job with a note from the attending physician stating you are able to work. She will let you and your supervisor know if you have any restrictions. Be sure to follow these instructions faithfully to speed your recovery and prevent additional damage.
