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
Step 1 Know the law Find out about worker’s compensation laws through your state’s Bureau of Workman’s Compensation or related department.
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.
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.
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.
Step 5 Wait Wait for a decision and inform your employer of your ability to work per your doctor’s orders.
Step 6 Follow instructions Follow the instructions given to you by the insurance company if your claim is accepted.
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.