How Do Workers’ Compensation Claims Work?

​Most businesses are mandated to have workers’ compensation insurance that shoulders liabilities for employees who are injured at work. Employees can benefit from this insurance coverage in a “no-fault” system. Prepare for the unexpected, as claiming benefits is not guaranteed all the time. 

The steps in the process of the workers’ compensation claims depend upon state requirements. The steps in claiming workers’ compensation may vary per individual. Such a variation will depend upon the nature of work, the workers’ age, and other factors unique to each occupational circumstance. Below are the general steps in the process of claiming workers’ compensation: 

Inform Your Employer Right Away 
Ensure that you inform your employer of the workplace injury you sustained immediately. It is ideal to notify your employer about this situation within the statutory deadline. In New York and California, employees are given 30 days to inform employers regarding job site injuries. 

Inform your supervisor of such a situation in writing to make the process more formal. Even if you’ve already given initial verbal notification regarding the said matter, a follow-up notification in written means is a form of an official report record. The sooner you do this, the more you can recall additional details regarding the incident. 

You’re likely going to receive an official claim form from your employer. You must request this form from your state’s workers’ compensation board if your employer has not given it to you for completion. 

The following information is essential for input in the workers’ compensation claim form: 

• Kinds of injuries and body parts adversely affected. 
• Date, time, and location of the injuries. 
• Parties or entities involved in the accidents. 
• How the accidents happened. 
• All of the medical treatments that experts have given to you. 

Employers’ Responsibilities on Workers’ Compensation Claim Process
Detrimental legal consequences are what many employers face for not providing workers’ compensation claims. Generally speaking, employers can’t do anything to retaliate against employees who claim this compensation. 

Conclusion 
Don’t take the importance of claiming workers’ compensation for granted. Suffering work-related injuries can cause temporary or lifetime impairments that affect how you live your daily life. 

At Cornerstone Insurance Agency, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (888) 661-8831. You can also request a free quote by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!