What To Remember When Filing a Workers’ Comp Claim

What To Remember When Filing a Workers’ Comp Claim

Workers’ compensation is a type of insurance that covers wage and medical costs provided to employees. This insurance operates differently in different parts of the US, with each state setting a premium amount and benefits package.

It’s also important to note that each state determines who may be eligible for a workers’ compensation claim. For example, California doesn’t require coverage for volunteers, amateur sports officials, deputy sheriffs, and more.

It’s critical to know what to remember when filing a workers’ comp claim if you have a work-related injury.

Be Honest and Upfront

An essential thing to remember when filing a claim is to be honest throughout the whole process. This includes when you visit a workers’ comp medical professional; they can spot dishonesty and exaggerated claims.

When a doctor analyzes your symptoms, you’ll have to take a series of exams to determine the severity of your pain or discomfort. When explaining your symptoms, don’t exaggerate.

We understand; you got an injury at work, and you deserve compensation to recover financially and physically. It’s a right that all employees should have, and it’s there to help you.

When explaining the situation, be upfront and detailed about the accident. No one’s memory is perfect, but you know what happened on your end, and telling it how you remember is all you can do.

Additionally, you may want to speak negatively about your employer due to unsafe work conditions or disagreements with upper management. But it’s essential to your case to leave out your feelings or personal opinions.

Stick to the facts, even the parts that may make you look bad. Give a consistent, honest explanation each step of the way.

Review Your Eligibility

Before you file a workers’ comp claim, be sure to check your eligibility. Here are four common eligibility requirements to receive benefits:

  • You’re an employee
  • Your employer has workers’ comp insurance
  • You have a work-related injury/illness
  • You meet your state’s filing deadline

Keep in mind that there are exceptions to these requirements, including if you’re an independent contractor with the company. It’s best to speak to an attorney to determine your rights and which route to take.

Time Is of the Essence

In addition to filing your claim on time as per the eligibility requirements, it’s essential to file as soon as you can to get the process started.

There are exceptions to this requirement, such as prolonged treatment, coma, or acquiring a contagious condition that requires quarantine.

Additionally, the longer you wait, the more factors can impact the value of your settlement payment. Although each state may be different in terms of file deadlines, the sooner, the better.

Now that you know what to remember when filing a workers’ comp claim, you may feel a bit less stressed about your situation. Speaking to an attorney may be the best route to ensure you follow each necessary step.