Self Insured Workers Compensation: Filing An Injury Claim

Employers seeking to have workman’s compensation coverage for himself will have a variety of options. Self-insured workman’s compensation insurance will protect the business owner in the event he or she is injured while at work.  There are two ways that a self-employed individual can get workman’s compensation.  The first is by becoming an individual self-insurer, and the second is by becoming a member of a self-insured group.

For either option the individual must submit a series of documents regarding the business, their health status, and the ability to pay.  After these documents are accepted, the individual must then pay a security deposit and the amount set by state law.  Once a person has been confirmed as a self-insured individual, if any injury or work related illness occurs they are free to file a claim.  To file a claim in most states certain steps must be undertaken. Work related accident and injuries must be reported to the insurance carrier within a certain time frame.  This is usually a period ranging between five and ten days, depending on the state’s laws.

The Self Insured Workman’s Comp. Claims Process

Once a workman’s compensation claim is filed, the insurance provider will evaluate the claim and determine whether or not it meets the statutory requirements for coverage.  Part of this evaluation will include gathering all of the medical information surrounding the injury from the medical provider. 

If the claim is approved the self-insured individual will be directed towards a doctor approved by the insurance company for medical treatment.  If an individual is out of work for longer than seven days he or she will be eligible to receive temporary disability benefits.    If a claim is denied, then a form that appeals the decision must be filled out.  After the letter is received, the state will hold an informal hearing.  An individual that is dissatisfied with the informal hearing results can request a full hearing to determine whether he or she should be receiving benefits.

Getting Legal Help

Sometimes filing a workman’s compensation claim can turn from a simple processing to a more complicated one.  If your claim is denied for any reason you should seek the advice and guidance of an attorney as soon as possible.  Lawyers with workman’s compensation experience can be essential to making sure your workmen’s compensation claims is resolved successfully. An attorney can assist you with every step of the self insured workman's compensation claim process from beginning to end.

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