Timely Filing For Workers Compensation Claims – A workers’ compensation claim can be an unfamiliar process with many parties and responsibilities. Here’s an overview of what to expect during the application process.
If necessary, seek medical attention for injuries, especially if they are severe. If you are unsure about the treatment you need, you can get real-time medical guidance from our TravCARE® line of nurses as part of the claim process with your employer.
Timely Filing For Workers Compensation Claims
Your employer is responsible for reporting your incident. Tell them about your workplace injury or illness as soon as you can. After registering at , we may contact you to collect details about your incident or injury.
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During the claim process, it is critical that you keep your medical appointments and communicate with your employer and claims adjuster so they are aware of your recovery status.
During the application process, you will need to fill out forms. Some will be provided by your Claims Specialist and others are available in the section below.
Additionally, virtual visits can help you stay in touch with your claims team. This option adds flexibility to your workers’ compensation experience, which can help you return to work as soon as medically appropriate by ensuring safe and timely communication between you, your provider, and your claims team.
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My® for Injured Workers offers a secure, web-based tool to help you navigate the workers’ compensation claim process.
(Speech) Speaker 1: Unfortunately, you have been injured at work. But luckily for you, there’s a handy digital tool to help you with your workers’ compensation claim. The Injured Workers Mine is the one and only place where you can stay actively involved in your entire claim.
It’s easy to register and easy to use. With just a few clicks, you can sign up for electronic payments, send messages directly to the claims team, receive and share documents related to your claim, and view your payment history. Everything you need is right here, so you can spend more time on your improvement work.
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If your health care provider lets you go to work, it’s important to let your employer and your medical or compensation professional know when your first day back will be.
If you have been cleared to return to modified duty, your employer may be able to accommodate any limitations resulting from your injury/illness or may provide you with an alternative assignment. If you have an injury or illness at work, you are entitled to workers’ compensation benefits. Workers’ compensation benefits are intended to pay and provide medical care for those injured on the job.
Getting the most out of your benefits is an important part of making sure you and your family have what you need during the time you need to get well.
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Taking the right steps after you are injured or have a work-related illness can be the key to maximizing your workers’ compensation. Following these steps can strengthen your claim and help you get the most benefit from your insurance.
If you are injured at work, tell your boss as soon as possible. Waiting too long can make your request look suspicious. Some employers will have a form you must fill out. If they don’t, you can use a form provided by the Occupational Safety and Health Administration (OSHA).
Employer notification is a critical requirement for all workers. Workers who are injured on the job cannot be fired or harassed because of the injury. If your employer seems hostile, you should seek the help of a workers’ compensation attorney.
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It’s a bad idea to wait a few days to see if you get better. If you are injured while working, see a doctor immediately. If your boss wants you to call 911 or talk to the company nurse, take their advice.
Complications from work-related injuries can take years to develop. If you try to “get away with it”, it may be too late to get compensation later.
Also, keeping detailed medical records is crucial. These records will show what treatments you currently need and what you may need in the future. Quick access to these records can help you get the help you need to pay for your care.
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Notifying your employer of your injury is not the same as filing a claim for damages. To qualify for workers’ compensation benefits, you must do both. You are entitled to coverage for lost wages and medical expenses, so it’s important not to miss a step.
When you talk to your employer, your doctor, or your insurance adjuster, be honest and consistent with your answers. Don’t keep information to yourself, but don’t make it up either. Always be specific with your answers.
Insurance companies are for-profit institutions. They want to make money, so they don’t want to pay claims. They will look for reasons to deny your request.
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One way they do this is to find pre-existing conditions. If you have had a previous injury or condition, don’t hide it, but make sure you don’t have any disabling conditions that would have caused your injury and get expert proof of the same.
Your medical or mental health records are not the insurance company’s business. Do not give them a blanket statement for your medical records. Also, be sure to sign any documents your insurance company provides if you don’t have a workers’ compensation attorney review them first.
If you sign an authorization to release medical records, be sure they only provide access to work-related information and are dated after the accident.
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Don’t believe you have to sign their version of the medical clearance form. You can make changes in ink to their form, make your own, or have an attorney represent you for medical releases.
Many workers’ compensation insurance companies have doctors with them. This may mean that the doctor has an inherent conflict of interest. Sometimes doctors may refuse tests or medications or say you can go back to work in order to still receive regular reimbursement from your insurance company.
If at any time you have concerns or questions about your doctor’s diagnosis or treatment plan, you should get a second opinion. A workers’ compensation attorney can help you with legal guidance.
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At any time, your employer’s workers’ compensation insurance company may request an Independent Medical Examination (IME) from you. This is an examination that would be performed by the insurance company’s doctor.
This is usually requested after the worker reaches maximum medical improvement (MMI). This means that the injured worker will not get better with further treatment.
After achieving the MMI, your doctor can give you an assessment of the impairment. This rating qualifies you for partial permanent disability benefits. The insurance company will send their own doctor for an examination and a second opinion.
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The IME doctor doesn’t work for you, they work for the insurance company. If you have been asked to file with an IME, you should consider seeking legal advice from a workers’ compensation attorney.
The workers comp insurance company will want to hear your side of the story. That’s a fair expectation, but it’s not fair if they ask tough questions and use your answers to deny your claim or reduce your benefits.
Do not subject yourself to a video interview early in the claims process. You can say “no” or you can let them know that you are not good enough to answer the questions. Having a lawyer is a good idea. But if you don’t have a lawyer, be careful not to answer taped questions while tired or under the influence of painkillers.
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Workers’ compensation attorneys know how to help you get the most out of your claim. One of NST’s six guiding pillars of law is that we strive for maximum compensation for our clients in every legal action we undertake on their behalf.
“They stayed with my case until everything was resolved. My situation was complicated and they made sure things were under control from start to finish.”
“From start to finish it was a good experience. They listened and treated my case with compassion and care. I highly recommend them.”
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“I was involved in a traffic accident with my mother and she suggested that NST handle the case for us. Everything was resolved professionally and on time.”
Obtained for a woman injured in a car accident at work, who suffered numerous fractures and underwent several surgeries. Skip to article title (press Enter) Skip to article introduction (press Enter) Skip to table of contents (press Enter) Skip to footnotes (press Enter) Skip to bottom of page (press Enter)
Are a type of administrative procedure designed to quickly compensate employees who are injured on the job. This is different from many other types of legal disputes, which are often settled in the form of a civil trial (for example, a personal injury claim).
Workers’ Compensation Program
While there are similarities between a civil lawsuit and a workers’ compensation claim, there are also significant differences. Unlike civil lawsuits, for example, workers’ compensation cases in California do not begin with filing a lawsuit in superior court. Instead, a workers’ compensation case begins with a claim form
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