If you suffer a workplace accident or injury, you have the right to claim against your employer’s workers’ compensation insurance. Unlike some states, this insurance is mandatory for most employers.
Yet, knowing how to do this can be confusing. What’s more, carrying out things in the wrong way, or overlooking essential steps, could harm your chances of success.
Claiming workers’ compensation requires you to follow a set of steps
- You need to report the event to your employer: Telling your employer about an injury months after the event will invalidate your claim. You need to do so within days. If you were doing something against company policy at the time, you might be scared you will lose your job. Employers are not allowed to retaliate against you for filing a claim so seek legal help if you are unsure.
- You need to see a doctor: Your claim will be unsuccessful if you do not have sufficient medical evidence. The sooner you see a doctor, the better. Delaying may allow the insurer to suggest the injury occurred outside of work.
- You need to file your claim with the insurer: Your employer may offer to file the claim for you. Yet, your future is then dependent on them doing so. It may be better to seek help to do it yourself.
The insurance company may try to reduce how much they pay or to deny your claim altogether. It would leave you struggling to put food on the table for your family, keep up with your mortgage or pay for the medical treatment you need. If you do not receive total compensation, the consequences of your workplace injury or illness could soon spiral far beyond what you imagined.