How To Get Worker's Comp

  • January 27, 2010
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We’ve all taken advantage of sick days to rest up, but what if you really get hurt or sick on the job?

You Will Need

  • A work-related injury or illness
  • Knowledge of your state's laws
  • Insurance forms
  • A physician
How To Get Worker's Comp: Know the law

Step 1: Know the law

Find out about worker’s compensation laws through your state’s Bureau of Workman’s Compensation or related department.

How To Get Worker's Comp: Report injury

Step 2: Report injury

Report any work-related injury or illness promptly to your employer. If required, fill out a form to document the incident for the insurance company.

Don’t be intimidated if your employer tries to dissuade you from filing your claim – filing a claim is your right.

How To Get Worker's Comp: Visit a physician

Step 3: Visit a physician

Visit a physician and inform them that this is a work-related injury or illness. The doctor will determine if, and for how long, you need to be absent from work.

In some states, your employer may dictate which doctor you visit. You are entitled to a second opinion.

How To Get Worker's Comp: Submit additional paperwork

Step 4: Submit additional paperwork

Submit any additional paperwork required by the insurance company to complete your claim. Make sure your doctor and employer have submitted their required forms.

How To Get Worker's Comp: Wait

Step 5: Wait

Wait for a decision and inform your employer of your ability to work per your doctor’s orders.

How To Get Worker's Comp: Follow instructions

Step 6: Follow instructions

Follow the instructions given to you by the insurance company if your claim is accepted.

How To Get Worker's Comp: Appeal

Step 7: Appeal

Appeal the decision, if you wish, in case your claim is denied.

Did you know? The first system of insurance appeared in China in 3000 B.C.E. Merchants divided cargo among many ships, and equally absorbed any losses.

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