How Does Workers Compensation Insurance Work?

Immediate Response

Seek first aid or medical attention immediately after the injury. Your health and safety are paramount.

Report the Injury

Notify your employer about the injury as soon as possible, as delays can affect your claim.

Medical Treatment

Follow through with all prescribed medical treatments and keep records of all medical visits and treatments.

File a Workers’ Comp Claim

Submit a claim with your employer’s workers compensation insurance carrier. Provide detailed information about the injury and its circumstances.

Attend Follow-up Appointments

Regularly visit your healthcare provider for check-ups and adhere to their advice.

Stay in Communication

Keep your employer updated on your recovery progress and any changes in your medical condition.

Return to Work

Once medically cleared, discuss with your employer any needed accommodations or modifications to your role.

What Does The Small Business Need To Do After An Injury?

Provide Immediate Assistance

Ensure the injured employee receives medical attention. Safety of your employees should be a top priority.

Document the Incident

When the employee reports an incident, record details of the incident and the injury. This documentation is crucial for the workers’ comp claim process.

File the Claim

Submit the workers compensation claim to your insurance provider promptly.

Communicate with the Employee

Maintain regular communication with the injured employee to understand their recovery status and offer support.

Implement Workplace Adjustments

If necessary, prepare for any changes or accommodations in the workplace to facilitate the employee’s return.

Review Safety Protocols

Analyze the incident to identify and rectify any workplace safety issues to prevent future injuries.

Welcome Back the Employee

When the employee is ready to return, ensure a smooth and supportive transition back into the workplace.