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Workers' Comp Claims

Updated 12:30 PM EST, Wed March 13, 2019

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Filing a Workers’ Comp Claim?

The most important thing to know about filing a workers’ compensation claim is that you should do it as soon as possible when a workplace illness or injury happens at your business. Millions of workers comp claims are filed every year in the United States and their costs can be significant. Billions of dollars of medical bills and compensation for lost wages are paid by workers comp insurance programs nationally.* That’s why most states require businesses to have workers’ comp insurance to protect their employees and their businesses from the potentially devastating costs of work-related injuries and illnesses. If one of your employees is injured while working on the job, it is important that you report the incident to your workers’ comp carrier as quickly as possible and cooperate with them on completing the documentation required for filing the claim and investigating the matter. Different states impose different time limits on how long an employer has to report a claim, so make sure you are clear about the requirements in your state.
 
Workman's comp Insurance typically does not cover:
 
  • Purposely self-inflicted injuries.
  • Stress or psychological injuries.
  • Injuries caused while under the influence of alcohol and/or drugs.
  • Injuries that happen on the commute to or from work.
  • Injuries that happen while employees were conducting themselves in a way that violates company policy.
 

How to File a Workers’ Comp Claim

There are a couple of actionable steps to perform when filing a workers’ comp claim once a work-related injury or illness occurs:
 

Notify Your Employer

The first recommended step to take is to notify the employer that a work injury or illness has happened. Then basic information should be conveyed to the employer. This includes:
 
  • How the accident happened
  • The kind of injury
  • The date and time

Submit Official Paperwork

The employer then provides the necessary paperwork for the employee to fill out and officially apply for workman’s comp. Once this form is returned to the employer, the form is then sent off to the insurer for processing. The insurer will either approve or deny the claim.
 

Notice of Claim Status

In the final steps, an employee will either be presented with a payment offer to pay for medical and/or disability costs or receive notice of a denied request. If denied, an employee can choose to appeal or request the insurer to review the claim decision.
 
These steps will vary depending on the specific situation that occurred and what state the incident happened in.
 

When Do I File a Workmans’ Comp Claim?

Report workplace injuries or illnesses if:
 
  • The injured person is an employee of your business.
  • The employee was hurt because of job-related duties.
  • The employee was hurt while at work.
  • The employee became ill due to the nature of their work.
The first thing you should do when an employee becomes injured or ill on the job is ensure that they get the proper medical treatment. Do not hesitate to call an ambulance or take them to an emergency room. If an employee needs time off to recover or heal, make sure they get it. Report the matter to your insurance carrier as soon as possible.
 
The process for filing a claim may differ slightly depending on the state where your business resides and your insurance carrier. Generally, the process begins when an employee notifies you of a work-related illness or injury – or you simply witness the matter first hand. After ensuring the employee gets the immediate attention they need, it is the employers’ responsibility to report the matter to their workers’ comp insurance carrier within the statutory timeframe required by their state. For example, New York requires reports to be filed within 30 days. Your insurer will require you and your employee’s cooperation in completing necessary documentation, as they investigate the circumstances related to the claim. Once this part of the claim process is completed, your insurance provider will make a determination on the claim.
 

How to Apply for Workman’s Comp

Employers must submit workers’ comp claims to their insurance providers. The information required when reporting a claim can vary depending on the state in which the claim is being made. Employees and employers will need to provide the following information:
 
Company Information
 
  • Account number and location code (if applicable)
  • Parent company name (or program name)
  • Policy number
Injured Worker Information
 
  • Name, date of birth, address, phone number
  • Social Security number
  • Age, gender
  • Marital status, number of dependents
  • Hire date, years in current position
  • Current wage information
Details of Incident
 
  • Date of incident.
  • When was the accident reported to you (the employer)?
  • Who reported the accident and when?
  • Address where the injury occurred on your business premises.
  • Type of injury (burn, cut, etc.).
  • Exact body part injured.
  • What was the cause of the accident (slip and fall, struck by object, etc.)?
  • Do you have any reason to question this injury?
  • What is the estimated number of days the employee will lose due to the injury?
  • What is the anticipated date of return to work?
  • Did anyone witness the accident? Who?
  • Where was the injured employee treated? Include the name, address, phone number of medical provider of the facility.

Where Can I Find My Workers’ Comp Phone Number?

Workers’ compensation insurance can help provide benefits to employees who become injured or ill from their job. These benefits can include coverage for medical payments and lost wages. In the unfortunate event that an employee dies because of a work-related illness or injury, workers’ compensation insurance can help provide benefits to the deceased worker’s beneficiaries.
 
It's important to file your workers' comp claim as quickly as possible. If you have a workers' comp policy with The Hartford, you can file a claim online or call us at 800-327-3636.
 

How Does Workers’ Comp Insurance Work?

Workers' compensation insurance can help provide benefits to employees who become injured or ill from their job. These benefits can include coverage for medical payments and lost wages. In the unfortunate event that an employee dies because a work related illness or injury, Workers’ Compensation Insurance can help provide benefits to the deceased worker’s beneficiaries.
 
 
* http://www.instituteforlegalreform.com/uploads/sites/1/ilr_small_business_2010_0.pdf
 

Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.