4 Things Every Injured Worker Should Know About Workers’ Comp

It would be nice if there was a quick and easy handbook that told every injured worker all they need to know about workers’ comp.  But unfortunately, there isn’t.  Because every situation is different, the process is different for everyone.  Going through the worker comp process can be difficult and confusing.  The more prepared an injured worker is, the better the process will go.  Here are a few things to keep in mind if you have been injured on the job.

Compensation Laws Differ By State

Every state has different laws, and injured workers should know what the laws are in their state.  For instance, some states allow injured workers the freedom to choose their own healthcare providers while others provide a panel of options to choose from.  Paperwork and benefits may also differ by state.  Be sure to find out what your state requires so you can receive the best possible care during this time.  Injured workers can specifically search for workers’ comp resources by state or they can reach out to others who have experience working with the policies and procedures by state.

Reporting Work Injuries

When injured on the job, it is important to report work injuries as soon as possible.  Injured workers usually only have a short window of time to report their injuries in order to file for workers’ comp.  For instance, some states allow up to 30 days to report injuries while others may only allow 4 days.  Notifying your employer about your injury is the first step, so don’t wait to report any injuries.

Worker Retaliation Is Illegal

Injured workers that file a workers’ comp claim may worry that they will incur consequences after filing a claim against their employer.  But a decrease in wages or a demotion can be considered retaliation.  If something like this happens to you, know your rights as an injured worker.

Ask For Help

Claims can be denied for many reasons.  Employers may argue that an injury didn’t actually occur at work or that PTSD isn’t a physical injury and doesn’t qualify for workers’ comp.  If you are an injured worker whose claim has been denied, it may be time to ask for help from experienced workers’ comp personnel such as a workers’ comp doctor or lawyer.  Don’t’ miss out on deserved benefits because your claim was delayed or denied.  Work with those who will fight to protect your workers’ comp benefits.