How Do I File a Workers’ Compensation Claim?
Step 1: The employee reports an injury to the employer.
Assess the condition of the injured worker. The employee should seek medical attention right away for a serious or life-threatening injury. If it is a non-emergency, the employee should visit a medical provider designated by the employer.
Step 2: The employer files the claim with their insurance carrier.
Upon receipt of the work injury, a supervisor (or H.R. representative) should provide the necessary paperwork to the employee and report the injury to the company's workers' compensation insurance provider. All injuries, from minor to major, should be reported within 24 hours of the incident. Learn more about reporting a claim with AmTrust.
Step 3: The insurer will either approve or deny the claim.
The workers' compensation insurance carrier will determine whether a claim is approved or denied based on the circumstances around the injury.
Step 4: Continue receiving medical treatment and monitor the status of your claim.
The employee continues receiving treatment and may follow up on the status of their claim periodically.
Step 5: The employee returns to work.
Once the injured employee is healthy enough, they will return to work (either full-time or in a limited role) unless the injury leaves them totally disabled.