Up next in Understanding Insurance (12 videos)
Get the facts on home, auto, car, and health insurance with these videos.
You Will Need
- A work-related injury or illness
- Knowledge of your state's laws
- Insurance forms
- A physician
Know the law
Find out about worker's compensation laws through your state’s Bureau of Workman’s Compensation or related department.
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.
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.
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.
Wait for a decision and inform your employer of your ability to work per your doctor’s orders.
Follow the instructions given to you by the insurance company if your claim is accepted.
Appeal the decision, if you wish, in case your claim is denied.