How To Obtain Workers Compensation Insurance

Worker’s compensation is a form of insurance that is paid by your employer. Worker's compensation insurance provides for your medical care and cash benefits if you should become disabled due to an illness or injury related to your work. In the US, all employees are covered by the Worker’s Compensation Law.

In order to obtain worker’s compensation you, the worker, must be able to procure and provide an accident report from your employer and a medical report from your physician saying that your disability comes directly from your job.

When an accident occurs at work, you of course need to get first aid treatment as soon as possible. Then, your next step is to tell your medical provider that your accident was work-related. This will speed the medical information to the State Insurance Fund and will also help speed up the process toward being compensated. Next, immediately notify your company's Accident Reporting System. Your next step will be to notify your supervisor or manager about your injury and how it happened. It is important that you ensure that you follow your agency’s accident report procedures in a clear and timely manner.

Always make sure to also check the Worker’s Compensation Article of your contract.

Once you’ve done all this, you need to follow your physician’s instructions. In the meantime, keep in close contact with your employer. Ensure that your employer has the name of your medical provider. It is also important to remind your physician to send any and all medical information to the State Insurance Fund. Always keep your claim number handy and offer it when you call and speak with the State Insurance Fund.

A cautionary note: Be sure to attend any hearings that may pop up concerning your case and go along with the directives of the Board and its Law Judges.

Normally, you will begin receiving wage replacement benefits within two weeks, once the claim has been put in. If you are classified as totally disabled, you will receive two-thirds of your average weekly earnings. If, however, you are eligible for supplemental payments you will receive payments that come to 60 percent of pre-disability gross wages.

There are other benefits that are sometimes offered, depending on individual circumstances and disability needs. Such benefits might include additional wages, health insurance coverage, seniority, and so on. These extra benefits vary according to bargaining unit.

So: keep good records, be timely and accurate when reporting your worker's compensation needs to your company and physician, and you will be rewarded with compensation that will help greatly in your time of need.


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