If you have suffered an injury or illness that is work-related, you are most likely eligible to receive workers' compensation benefits. Most employers are required to maintain workers' compensation coverage for their employees at no additional charge to the worker. Each state sets its own laws regarding workers' compensation, but usually, a company with any employees at all is required to maintain coverage. A couple of states require that the employer have at least three employees to maintain coverage. The coverage can be bought from a private insurer, a state-mandated fund, or in some cases, the employer can self-insure depending on state laws and requirements. How to Proceed with a Workers' Compensation Claim If you have been hurt while working, you need to notify your place of employment immediately. Contact human resources or a supervisor right away to tell them what happened and that you were injured. You should then seek medical care. Your employer should have a list of approved medical providers where you can seek treatment. These providers accept workers' compensation payments, which are at a set fee that is established by the state. Usually, this list is displayed somewhere that it can easily be accessed such as by a time clock or in a break area. If you don't see this list, ask for a copy and your employer must provide it to you. Failing to see an approved physician can hurt your chances of a successful claim. If your injury is life-threatening or serious, you should call an ambulance and be transported to the nearest hospital. Maintaining Documentation and Evidence You need to maintain documentation and evidence to support your claim. This means you will need a copy of the accident report completed by your employer, statements from eyewitnesses, and copies of medical records. If 9-11 is called, get a copy of the report completed by responding officers as well. Workers' compensation claims can be tricky, so you should consult with a workers' compensation attorney right away. Specific procedures must be followed when the claim is filed. In order to receive any kind of disability benefits, your physician must indicate that you are unable to work. Medical benefits are payable immediately to ensure you get the diagnosis and care that you need for your injuries or illness. Consult with A Workers' Compensation Attorney If you have been hurt at work or you are ill because of a work-related disease, you should consult with a workers' compensation attorney in your state. Because of the complexity of such claims and how claims can be denied, you need to make sure you have a knowledgeable advisor on your side. With the help of a lawyer, you are much more likely to get access to the benefits that you are entitled to receive. Schedule a free case evaluation today so you can make sure your claim is properly filed and you can learn about the benefits that you are entitled to receive. Additional Resources When Should I Start My Workers' Compensation Claim? My Claim Was Denied. Can I Appeal It?
