Several Steps To Help You Properly File A Workers’ Compensation Claim

There are several entities involved in the workers’ compensation procedure:

- Division of Workers’ Compensation
- Employer
- Insurance company
- Medical provider
- Liable third party (possible)

With all these entities involved, it’s not hard to figure out why injured workers have a real hard time wading through the process.

Understanding The Process Of Workers’ Compensation Claims

If you’re going to file a workers’ compensation claim, you need to be sure you don’t make any mistakes – right from the get-go. This is where the hiring of a workers’ compensation attorney comes in handy. After all, he/she will make sure the procedure is correctly followed and that you get the full benefits you are entitled to after you have been injured on the job.

The majority of workers’ compensation claims is cut and dry and usually resolved quickly by ensuring the steps are correctly followed. Most claims won’t need the assistance of an attorney. But, in instances where the employer or insurance company denies the claims for no real reason, this is when an attorney is necessary due to their expert advice on how best to go on with the claim to ensure you get a positive outcome.

What To Expect and How To Protect Yourself During The Process

How do you protect your claim from the get-go? It’s done by making sure you are completely familiar with the workers’ compensation process and what the policies of the company are.

It’s very important employees know the company’s policy when it comes to injuries involved with workers’ compensation. You jeopardize your case if you delay reporting the injury or making a claim. As soon as you notice you are injured, you need to report the injury. If you don’t report it immediately or allow time to occur between the reporting and injury, insurance carriers will claim your workers’ compensation claim is false.

It’s possible that injuries or illnesses can come up over time, which makes it harder to pinpoint when the injury actually took place. The moment you notice your injury is hindering your ability to do this – or you decide to seek medical help for it – you need to report the injury to your employer.

Some employees will play the “wait and see” game before they report an injury, trying to determine if it’s something they can handle without medical intervention. The problem with the “wait and see” game is that if an injury worsens, the claim could be repudiated because the injury wasn’t reported in a timely manner.

Therefore, it’s imperative to report any injury – minor or major – the instant it happens. Documentation is very important when it comes to filing a workers’ compensation claim. So, report your injury to your employer, fill out the paperwork, talk with your supervisor and get medical treatment.

During the filing of workers’ compensation claim, the adjuster from the insurance company will take a recorded statement from you. Some of the things you’ll be asked include:

- Present work injury
- Previous work injuries
- Previous claims you have made

It’s important to watch the things you say because everything will affect your case. If you’re worried about what you should or should not say, talk with an experienced workers’ compensation attorney. He/she can be there for you during the statement process and/or advise you on how to handle the claim.