In this modern world, workplaces are constructed perfectly. Therefore, the chances of workers getting hurt or sick due to their jobs are low. But unfortunately, this isn’t true. The number of job injuries was reported over 2 million in 2020. Also noticed that this number of injuries increasing day by day instead of decreasing. Workers’ Compensation Claim Checklist is one of the important parts of employees’ compensation claims.
Insurance companies or business owners need to establish security or safety policies for their employees. Workers’ compensation insurance provides coverage if any sudden accident or injury happens to an employee. Here workers need to file a claim for their compensation. In this post, we are going to throw light on the workers’ compensation claim checklist. Keep reading.
Workers Compensation Claim Checklist
Read More: Average Cost Of Employee Benefits
Most employers offer workers’ compensation insurance to employees who get ill or injured in the workplace. Worker compensation insurance has lots of benefits for employees. For example, if an employee gets hurt on the job, worker compensation insurance will provide coverage for medical treatment.
Workers’ compensation insurance offers benefits for only occupational diseases or injuries. If the injuries or diseases are non-occupational, the worker’s compensation insurance won’t provide coverage for medical treatment.
What Is a Workers Compensation Claim?
Worker compensation is a type of insurance that provide benefits to employees such as medical treatment and lost wages when they get injured or ill at work. Employers are responsible for paying for this type of insurance.
For example, when employees get injured or ill due to their job, they have a right to file a claim. This claim is paid by their insurance carriers or employers if their injuries are job-related.
Employees don’t need to contribute the cost of their compensation. Employer insurance carriers provide cash benefits and coverage for medical treatment. Employees’ claim is processed by a state agency called Workers Compensation Board.
The Workers Compensation Board specifies whether the employer will provide coverage in the form of medical care or lost wage or pay the amounts. In the case of a Workers’ Compensation Claim, one party isn’t responsible for injuries or illness.
Therefore the amount that claimants get neither increased due to the employer’s fault nor decreased due to the employee’s fault.
Workers Compensation Claim Checklist
When workers get hurt in the workplace, they should file a claim immediately- preferably after a few hours of the injury. Because the more quickly they file a claim, the more benefits they will get.
If workers delay filing a claim, the cost of the claim will be higher. If you get ill or injured in the workplace, you must consider the following things in the checklist while filing a worker’s compensation claim:
Step 1: Immediately Report The Injury
In the first step, the employees have to report the injuries or illnesses to their employers quickly. Generally, victims have a month or 45 days to report the incident.
Because the time limits to notify about injuries varies by state. If they delay reporting the injuries, they may lose the right to file a claim. To file a worker’s compensation claim the injuries or illness must be work-related.
For example, getting hurt due to toxic chemicals and injuries due to slip and fall in the workplace. After the happening of such an accident, the employees should immediately tell their employers to get all the benefits.
Step 2: Looking For Medical Treatment
The second step is the most important. After getting hurt, you must seek medical treatment because health is great wealth. If you are injured severely, you should go to the hospital quickly.
Even if your injuries are minor, you should still need medical treatment and document your illness. If you delay getting your treatment, your claim may be restricted based on the rules of the state or your living place.
Step 3: File A Claim
In the third step, you should file a worker’s compensation claim. At this stage, you need to fill out all the necessary information on the forms which your employers provide you.
This information includes the accident report, medical treatment documents, and claim form. Your employer is also responsible to guide you about your benefits and rights and also tell you the return time of your job.
Step 4: Complete the Necessary Documents
In the fourth step, you need to complete all the necessary documents. Because documentation is one of the important points while filing workers’ compensation claims.
For example, take pictures of the injury and the place where the accident happened. Provide a complete detail of the incident report to your employer.
This report has the detail of things like type of injury, causes of injury, date and time of injury, and witness of injury. Provide all your medical treatment reports to your employers.
Step 5: Keep Up to date with your employer
In the fifth step, you need to keep up to date with your employer about your injury or illness. If you want that your claim processed, you should stay in touch with your employer. Stay in contact with your employer and make sure you get all the benefits that you are entitled to in the claim.
You should follow all medical appointments and submit your result reports to your employer. This report describes your condition to your employer and whether you can return to your work or not.
Step 6: Stay Connected With Your Attorney
In the sixth step, you should hire a professional attorney to get help with your claim. When you have hired a professional attorney, you have to stay connected with him by providing all the updates about your case.
The worker’s compensation claim process is slow and takes time. Therefore, be patient and stay connected with your attorney.
Step 7: File An Application
In the seventh step, if your claim is rejected due to any reason, you can apply and also get help from your attorney.
But it would be best if you kept in mind that the application process varies from state to state. Your attorney helps you to get all the benefits that you deserve.
When To File Workers’ Compensation Claim
Immediately after getting hurt from work-related injuries. Generally, the time limit to file a worker’s compensation claim is 24 hours after occurring of an accident in the workplace.
If your employer agrees that your injury is work-related, he will provide you with a claim form and also tell you your compensation rights.
But if your employer debate that your injury isn’t work-related, you will be able to get disability benefits. And the amount that you get under disability benefits, will be deducted from your future compensation.
According to the U.S. Department of Labor’s office worker compensation programs, the administrators provide four basic disability compensations. These compensation programs include:
- Medical treatment
- Vocational rehabilitation
- Wage replacement benefits
- Other benefits