Step 1: Know the law
Find out about worker's compensation laws through your state’s Bureau of Workman’s Compensation or related department.
Step 2: Report injury
Report any work-related injury or illness promptly to your employer. If required, fill out a form to document the incident for the insurance company.
Don’t be intimidated if your employer tries to dissuade you from filing your claim – filing a claim is your right.
Step 3: Visit a physician
Visit a physician and inform them that this is a work-related injury or illness. The doctor will determine if, and for how long, you need to be absent from work.
In some states, your employer may dictate which doctor you visit. You are entitled to a second opinion.
Step 4: Submit additional paperwork
Submit any additional paperwork required by the insurance company to complete your claim. Make sure your doctor and employer have submitted their required forms.
Step 5: Wait
Wait for a decision and inform your employer of your ability to work per your doctor’s orders.
Step 6: Follow instructions
Follow the instructions given to you by the insurance company if your claim is accepted.
Step 7: Appeal
Appeal the decision, if you wish, in case your claim is denied.
Did You Know?
The first system of insurance appeared in China in 3000 B.C.E. Merchants divided cargo among many ships, and equally absorbed any losses.