It is important to file for work compensation where workers, whatever their valid causes are, may gain financial assistance from job-related injuries or sickness. In the standard procedure, the affected worker can avail of the compensation benefits regardless of who is to blame or what caused his illness. Here are some tips to help you file a workers' compensation claim. For security purposes, employers obtain worker’s compensation insurance with a provision that an employee who will be injured, get sick, or die due to work will be mainly part of the coverage. An employee may file a claim provided that all the necessary requirements are submitted to the worker’s compensation carrier.
An employee may file a claim for work compensation because this is basically one of the worker’s rights. What are the procedures for this transaction? The information below may be helpful in filing for work compensation.
- Identify the incident. Document the event that supports your claim, such as the time of occurrence, be it an accident or a collective condition. If you were severely harmed, make a report as to when the first time you were exposed to vulnerability leading to the claim was.
- Gather essential information. Gather employment and demographic records. This includes the name, address, nature of work, hours of work per week, income, position, span of time with the employer, and social security number among others.
- Have your worker’s compensation insurance data ready. You ought to know information regarding the insurance carrier’s name, policy number as well as policy term. These data will be highly needed to for you to process your claim.
- Document medical treatment. This is definitely one of the requirements that will be scrutinized. So, every detail should be clearly stated, even if it is only first aid at the very moment of accident or the need to be transported to the hospital emergency room. Gather data such as who conducted medical services, the treatment done, date and time of the medical transaction.
- Inform the employer. The management should know what happened to you that lead to your filing for a claim. After all, they are the reason why you are part of the company. Make a report of the date and time the notification was done. Fill out specific forms. The Report of Injury Form may be requested from your HR Department. You can also get a copy of it form on the net; just download it and print. All the information you obtained from the abovementioned steps can now be entered on this form.
- Employer’s participation. Of course, your employee should fill the information allotted to them. Afterwards, forward the completed form to the insurance company.
As a reminder, do not delay. There are schedules for filing worker’s compensation claim. Contact your state labor office for guidance and information. It is important to know that not all of the workers’ compensation laws are the same. These may depend on the state where you reside. For advancement and information, do check your local labor office regarding the necessities for filing the claim in your particular, if the need arises.
Finally, always bear in mind that you have the right to request a hearing before the Worker’s Compensation Board if your employer does not conform to your claim. In this case, you may seek the counsel of an attorney well-versed in these crucial affairs to clear your doubts away.