How to Get Worker's Comp

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


  • 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.
  • TIP: 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.
  • TIP: 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.
  • FACT: 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.

You Will Need

  • A work-related injury or illness
  • Knowledge of your state's laws
  • Insurance forms
  • A physician

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