An accident in the workplace can lead to injuries, affecting your ability to work. Anyone, regardless of the industry, can get a work-related injury, but undoubtedly, some occupations are at higher risk than others. If you are injured at work, you may be eligible for workers’ compensation benefits.
Below are four factors to consider when filing a claim:
Severity of injury
The severity of your injury will determine the compensation you receive. While some injuries can be identified as serious immediately, such as the loss of a limb, others can be overlooked at the beginning and become severe with time. Thus, it will help to get medical help to know the extent of your injury.
Incident report
You are required to notify your employer of an injury when it happens. It’s necessary to report verbally and in writing. Ensure your report is accurate and detailed. Writing the report sooner can help you remember everything that happened before, during and after the accident. Further, you can identify witnesses and get statements from them.
Medical records
You should keep all medical records of the injury, including receipts, medications and transportation to and from the hospital. Records are crucial in strengthening your case should your employer’s insurer claim the injury was not severe or want to offer a low compensation.
Claim process
Understanding the workers’ compensation process can help you avoid costly mistakes. Your employer should forward the first report to the insurance company. However, if you don’t get a favorable outcome, you should know the forms to complete for the application, the required documentation and the professionals who can help you.
If you are injured at work, you may need to consider filing a workers’ compensation claim. It can help to get professional guidance to receive fair compensation.
