Injured Workers Compensation

In order to provide a social safety net for injured workers, compensation programs that provide assistance with health care costs and lost wages have been established in all fifty states. After an on-the-job injury occurs, experts recommend notifying your supervisor or manager immediately. After emergency medical care has been provided and the injured worker's health status is determined to be stable, the process of documenting the circumstances surrounding the injury will begin. In most cases, employers are required to hand over the paperwork associated with initiating a claim within one to two business days after the accident occurred. This form and all necessary documentation will be turned over to the company's claims adjudication department, or to a third-party adjuster or insurance company. In many states, it is also necessary to file notification with the state's workers' compensation bureau. After your claim has been reviewed, you will receive notification that it has been approved or denied. If you are unhappy with the result or feel that your claim has not been afforded proper consideration, you may usually request an appeals hearing through the state system.

Fast Facts

  • Although each state sets its own guidelines for calculating indemnity payments, most grant payments of approximately two-thirds of the workers' original salary.

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