Insureon Blog

How Do I File a Workers’ Comp Claim?

20. May 2014 08:33

Closeup of hands filling out work injury form

In our previous post, we discussed that the best way for small-business owners to handle a Workers’ Compensation Insurance claim is through open channels of communication. Now that you understand how to navigate a claim in general, it’s time to talk about specifics. In the event of an accident, how does a small-business owner go about filing a Workers’ Compensation Insurance claim?

Before we get started, it’s worth emphasizing that Workers’ Compensation Insurance is regulated at the state level. While the general procedure is roughly the same, the details vary slightly from state to state (as do Workers' Comp costs. More on that here: Workers' Comp Insurance Cost Analysis).

To learn more about your obligations, contact your state’s Workers’ Compensation Insurance Board (or similar entity). You can easily find your board’s contact information by visiting your state’s page in our guide to Workers’ Compensation state laws.

My Employee Is Injured. What Now?

Let’s start by detailing an employee’s responsibilities. When an employee is injured or develops an occupational illness, they must report it to you as soon as possible. Make sure your employees understand that each state has a different reporting period. If they wait too long to notify you, they could forfeit their benefits.

Some states have a reporting window of just a few days, while others allow a couple years. In any case, it’s better that employees report sooner rather than later. Here’s what happens after the injury notification:

For more information on the mechanics of Workers’ Compensation Insurance, check out our post “How Does Workers’ Comp Insurance Work?” on our blog.

Why Employers Must Follow Proper Workers’ Comp Reporting Procedures

As we’ve mentioned, each state has a slightly different way of handling Workers’ Compensation Insurance claims. But following the correct procedure – and supplying employees with the proper information so that they may do the same – is of utmost importance. Why? Because employers can be fined for Workers’ Comp transgressions, such as…

Need a real-world example? Check out how much Jim Carrey was fined for violating New York’s Workers’ Compensation laws.

This post is part of an ongoing series on Workers’ Compensation Insurance and the high cost of occupational injuries. Stay tuned for more on how to handle work injury claims, adhere to state Workers’ Comp laws, and find affordable coverage!


Risk Management | Small Business | Small Business Risk Management | Tips for All Small Businesses | Workers' Compensation Insurance

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