If your employer has been complying with all applicable workers' compensation regulations in your state, the company has insurance coverage that is designed to help cover financial payments and health care costs associated with on-the-job accidents. Your employer pays premiums into their workman's comp insurance policy, and when a claim is processed, the insurance company makes payments to the injured or ill employee. Although this business relationship may sound simple, it can often be more complicated than it seems. Workmans' comp insurance companies have a vested interest in holding the number of claims that they pay out to an absolute minimum. As a result of this business model, injured employees who file a claim often find themselves in an uncomfortably hostile relationship with the insurance company. For this reason, experts recommend detailing every interaction with the insurer in writing, and retaining multiple copies of every letter or written communication that you receive from them.