There are many professions where on-the-job injuries are more common than others, but that does not mean injuries are acceptable.
Employers must provide workers’ compensation benefits for any employee injured while performing their job duties. These benefits include medical care and lost wages for the time spent recovering from injuries.
1. Report your injury to your supervisor
Report your injury or accident to your supervisor as soon as possible. Include the date of the injury and a description of what happened. Your employer will notify their workers’ compensation insurance carrier. The insurance carrier will dictate which medical provider you may see.
2. Seek medical attention
Seek medical treatment following any injury you sustain while working. Let the medical provider know that the injury occurred at work. Get a written notice from the doctor regarding the injury. Follow through with all prescribed medical treatment and follow-up appointments.
3. Keep records
Keep track of all hours or days of missed work. Save copies of all records or your medical treatment, including the initial written notice about the injury from your doctor. Track out-of-pocket expenses that you hope to have reimbursed, including travel costs for medical appointments.
4. File a claim for workers’ compensation benefits
Lost wages are available once you have been out of work for eight days following a workplace injury. Depending on the severity of your injury, permanent disability benefits are also a possibility.
Death benefits are available under workers’ compensation to family members of those who die due to an on-the-job accident. These benefits include funeral expenses and the possibility of a portion of the weekly pay of the deceased.