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The Workers’ Compensation Claim Process

When an individual becomes injured or ill at work, they may be entitled to file for Workers’ Compensation. This is a type of insurance that all employers should have, workers’ compensation pays for aspects of injured or ill employee’s ailments. For example, it may cover medical care expenses, some wage replacement and rehabilitation. In order for an individual to reap the benefits of workers’ compensation, they must first follow the steps of the claim process specific to their state. If you or someone you know has become ill or injured at work, contact the law office of Finkelstein and Partners today. Our team of expert workers’ compensation attorneys will work diligently to fight for your losses and compensation.

Once an incident occurs in which an employee becomes sick or injured at work, the first and most important step is for them to seek medical attention. Should they be unable to do so, they should immediately call for help. From there, it is imperative for the employee to report his/her injury or illness to a supervisor with as much detail as possible. When an employee becomes ill or injured on the job, they only have a certain amount of time to report the incident to their employer. Though the exact period of time varies from state to state, the time frame ranges from a few days to two years. The next step in the claims process will then be for the individual’s employer to give them forms to be filled out. Once filled out, it then becomes the employer’s job to submit the paperwork to the proper insurance company. It is important to note, that there is also a time frame for the filing step, it can range anywhere from a few days to up to one year.

In the event that the employer, or their insurance carrier does not dispute the employee’s claim, the claim will be approved. Next, an insurance adjuster will contact the employer with instructions for submitting medical bills. This is the point where many workers’ compensation claims go awry. In an attempt to keep workers’ compensation costs from going up, the employer may try to fight the claimant’s right to benefits. For this reason, it is important to maintain detailed documentation of both the injury and claim process along with the appropriate dates and times.

From there the process becomes dependent on the severity of the claimant’s injury or illness, as well as how it affects the ability to work. Meaning, if the employee doesn’t lose time from work, workers’ compensation will most likely only go as far as covering the medical bills. Should the claimant be temporarily unable to work, they will start receiving checks from workers’ compensation within a week of filing their claim to cover lost wages. When the claimant is able to return to work, they should notify the workers’ compensation board to put a stop on the benefit checks.

If you or someone you know has been injured at work, contact the law office of Finkelstein and Partners, LLC today. Our knowledgeable team of workers’ compensation lawyers will stop at nothing to make sure you receive only the best representation to fight for your losses. Call us at (800) 529-2676.