5 FAQs People Have About The Workers Comp Claims Process
The workers’ comp claims process can be a bit confusing for those who are new to it. It’s not uncommon for people to have reservations about this type of procedure since so many things these days require lots of documentation and jumping through hoops.
However, it’s important to note that there are many reasons why having an organized system for filing claims is beneficial for both employers and employees alike.
The following FAQs will address common questions about the worker’s comp claims process, so you know what to do if you’re hurt.
1. What Is Workers’ Compensation?
Workers comp is a type of insurance that all employees must have by law. If you get hurt while working, you can file a claim and receive a certain amount of financial assistance. This is different from general liability insurance, which your employer may or may not have.
If they have general liability, it can cover medical bills, while workers comp is there to cover lost wages and provide support while you’re out of work. That said, the amount of compensation you can get varies greatly, depending on how serious your injury is.
2. How Does The Workers’ Compensation Claims Process Work?
To begin the worker’s comp claims process, you must contact your company’s HR department as soon as you are injured. If you wait too long to file, you will not be able to receive compensation.
Once you file your claim, you will be asked to provide documentation of your injury. This may include doctor’s reports, medical bills, treatment plans, and other pertinent details about your injury.
The employer will then assign the claim to a claims administrator. This person will decide whether or not the claim will be granted and what the benefits will be. The claims administrator may also assign your doctor to perform a Medical Evaluation and Notice of Injury (ME-19).
This form asks questions about your injury, treatment, and prognosis. This form may also request a copy of your medical records. Your employer is legally bound to provide you with workers comp. However, it is up to you to take the initiative and file the claim.
3. Is There A Deadline To Filing A Claim After Being Injured At Work?
This is a difficult question because it depends on your state and the type of injury you have. However, in most states, the deadline to file a claim after an injury at work ranges between one to three years after the injury occurred.
You will not be able to file a claim after the deadline, even if your injury is not fully healed. So, if you are unsure whether or not your injury will qualify for workers’ comp benefits, you should still file a claim so that you don’t risk losing out on compensation in the future. In any case, you can always withdraw your claim if your injury does not qualify for workers comp benefits.
4. Is Getting Benefits Through Workers’ Compensation Different Than Suing Your Employer?
The process of obtaining workers comp benefits is very different from suing your employer.
If you decide to pursue a lawsuit against your employer, you must prove that your employer acted negligently. You will also need to prove that you sustained a significant financial loss because of their negligence.
The best strategy is to file a claim and see the outcome. If your claim is denied, you can always pursue alternative options.
5. Where Can I Get Help And Support While Recovering From My Workplace Accident?
Workers comp can be confusing, especially if you’ve never dealt with it before.
So, if you need guidance while navigating the claims process, you can always reach out to an actual workers comp attorney. You can also seek out the help and support of your local union. Union members can often receive assistance and support through the workers’ comp process.
No matter who you reach out to for help, maintain a positive attitude and remain persistent. It can take a while to get the compensation you deserve, but it can be done.
The Final Words
The workers’ comp claims process can sound complex. But the more organized and prepared you are, the more likely you will get the help you need quickly and efficiently.
Now that you understand the workers’ comp claims process, you can start working towards getting the benefits you deserve. Use these FAQs as a guide, and you’ll be able to navigate the process much more easily.
