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Filing a Workers’ Comp Claim
Workers’ compensation insurance, also known as workers’ comp, is an important coverage to have because it can help your employees recover from work-related injuries or illnesses.
If one of your employees tells you they got sick from their work or injured on the job, it’s important you file a workers’ comp claim with your insurer as soon as possible. Each state has unique workers’ comp rules on how long employers have to file a claim. So, be sure you understand your state laws.How to File a Workers’ Comp Claim
A report of a work-related injury or illness should include basic information about the incident, like:
- How the accident happened
- The kind of injury
- The date and time of the accident
As an employer, you’ll have to follow a few steps when filing a workers’ comp claim:
1. Give Your Employee a Workers’ Comp Claim Form
If you’re told someone got hurt or sick from their job, make sure they get appropriate medical attention. You’ll also want to give your employee a claim form to complete so they can apply to get workers’ compensation benefits. Without it, your employee can’t get benefits that could help them recover and return to work.
2. Submit Official Paperwork
After you get a completed claim form from your employee, you’ll want to send it to your insurance company. This notifies your insurance carrier of a claim that they’ll either approve or deny.
Make sure you know how long your state gives you to file a workers’ comp claim. For example, Nueva York employers have to file a claim within 10 days after an accident.
3. Provide Any Accommodations When Your Employee Returns to Work
Depending on your employee’s injury or illness, you may need to make changes to help them do their job when they return to work. In some cases, you may have to provide training to help them transition to a new role.
Be aware that your employee can dispute their workers’ compensation benefits or file an appeal if your insurer denies the claim. Check your state’s claims process for workers’ compensation cases so you know what to expect.
Common Questions About the Workers’ Comp Claim Process
With different rules and factors to be aware of, workers’ compensation can get complicated. We’re here to help explain it better. In fact, these common workers’ compensation questions may give you the answers you’re looking for:
When Do I File a Workers’ Comp Claim?
You should report injuries or illnesses if the person:
- Is your employee
- Got hurt from their job
- Becomes sick from their work
If you don’t file a workers’ comp claim or do it too late, your employee may not get benefits.What Information Do I Need for Filing a Workers’ Comp Claim?
When you file a workers’ comp claim with your insurer, you’ll need to include your:
- Account number and location code (if applicable)
- Parent company name (or program name)
- Policy number
It’s important to also send your injured worker’s information, such as their:
- Name, date of birth, address, phone number
- Social Security number
- Age and gender
- Marital status, number of dependents
- Hire date, years in current position
- Current wage information
Your claim should also include as many details of the incident as possible, such as:
- Date of the incident
- When you received a report of injury or illness
- Who reported the accident and when
- Where the injury occurred on your business property
- Type of injury
- Exact body part injured
- Witness information
- Cause of accident
- Name and location of where your employee received medical treatment
- Number of days your employee will miss work
- Anticipated return date
Where Can I Find My Workers’ Comp Phone Number?
You can look at your workers’ comp policy to find a phone number or other contact information for your insurer. If you have a policy with The Hartford, you can file a claim online. If you need help with filing a claim, call 800-327-3636.How Do I Know if My Employee’s Workers’ Comp Claim Is Approved?
After you file a workers’ comp claim, your insurance company will notify you and your employee if they approve the claim. Your employee will work with your insurer on receiving reimbursements for medical treatment or getting other benefits.
Can I Pay Workers’ Comp Claims Out of Pocket?
If your state requires your business to carry workers’ comp insurance and you don’t have coverage, you’re responsible for paying for your employee’s treatment and other costs they may incur. You also may face penalties and fines from your state’s workers’ compensation board.