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Understanding the Workers’ Compensation Insurance Process

Phoenix employees who suffer work-related injuries or illnesses may be entitled to compensation. However, pursuing it can be complicated, especially if you don’t have an excellent lawyer to help. 

The Workers Compensation Insurance Process

After being injured at work, you have limited time to report your injury. If you wait too long, it may be difficult to claim your workers’ compensation insurance benefits. Start by reporting to your supervisor. They will help you file workers’ compensation insurance. They will gather evidence and document the incident on your behalf. 

Once your employer learns about your injury, they will advise that you get medical help immediately. They will also complete several tasks to kick start the compensation process, including:

  • Giving you the relevant paperwork to fill out, which may include the place, date, time, and conditions surrounding your injury
  • Taking witness accounts on your behalf 
  • Filing the completed form along with supporting documents insurance provider
  • Submitting your first report of injury form to the state workers’ compensation board

How to File a Workers’ Compensation Claim

  1.   Reporting Injury to Your Employer

When you are injured, the first thing to do is report to your employer. Let them know about your illness or injury as soon as possible. Usually, you’ll be required to issue a written notice. 

Various injuries qualify for compensation. They include carpal tunnel syndrome after repetitive typing, respiratory diseases following exposure to chemicals, and slipping on the wet floor, and breaking your arm. While some types of injuries demand immediate treatment, others can wait until you get a diagnosis. 

  1.   Employer Guidance

After reporting to your employer, they will guide you on the appropriate paperwork to fill. They will talk to you about your rights and benefits. They’ll provide you with a workers’ compensation form to fill out.

The best insurance providers have workers’ compensation insurance. They know the right forms to fill and can make the process of pursuing compensation easy. 

  1.   Reporting the Injury and Filing the Claims Form

After submitting the claim form and appropriate documentation to your employer, they’ll send them to their workers’ compensation insurance carrier.

Your doctor will also need to submit your medical report. You may also need to report your injury to the state’s workers’ compensation board. 

  1.   Approval or Denial

Depending on the nature of your case, your insurance provider may approve or deny your claim. If your claim is approved, your employer will be notified. You will be required to provide your payment information. You and your Phoenix workers’ compensation attorneys may:

  • Accept the payment offer from your insurance provider
  • Negotiate a bigger structured settlement or a lump sum. 

If it is denied, you may:

  • Request the insurance provider to reconsider
  • Submit a formal appeal through the state workers’ compensation board

You can submit a notice to the insurance provider and employer and get back to work when you are well. If you have severe injuries, your insurance company may have to pay permanent disability benefits.  

Even though workers’ compensation insurance may be complicated, working with a good lawyer could simplify things. They let you know what to expect and ensure that you are getting all you deserve

Call Today! (602) 532-0700

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