If you’ve been injured in a work-related accident, your injuries may prevent you from performing the duties of your job. If you are unable to work for an extended period of time, the lost wages can be financially devastating. Fortunately,exists to cover a percentage of your normal wages if you cannot work due to an on-the-job injury or illness. But when do those benefits kick in? For some people, even a few weeks without a paycheck can be disastrous.
As with most things in life, all workers’ comp cases are unique. However, the paragraphs below gives an idea of the general timeline you can expect once you file your workers’ comp claim. Acan help you determine how to proceed if you’ve been injured on the job.
Seek Medical Attention
Your injury is the official kickoff of your workers’ compensation claim. As such, you will want to take certain steps immediately following your injury to ensure that your claim is received and completed in a timely manner, namely, seek medical attention. Not to mention, medical treatment after an accident is in the best interest of your overall health and well-being. In MA, as in most other states, either the employer or its workers’ comp carrier must pay for an injured employee’s medical bills as soon as the claim is filed. In layman’s terms, you don’t have to wait for approval to receive compensation for medical expenses.
Report the Injury to Your Employer
Step two is to report your injury to your employer, and do so in writing. As soon as you report your injury, your employer is obligated to provide you with a claim form. Fill this form out completely and file immediately. And don’t forget to keep a copy for your records.
At this point, your employer is required to notify its insurance carrier immediately to arrange for medical treatment and compensation. In some cases, the employer must also submit a wage verification form to the insurance company.
Wait on the Insurance Company’s Decision
Once the claim has been received by the insurance company, the insurer has 30 days within which to either accept or deny the claim. If approved, the insurer will begin paying benefits almost immediately. If denied, you have a small window within which to request a review hearing. In most cases, the hearing will occur within 30 days of your request, and a final decision will usually be made within 15 days.
To summarize, if you take immediate steps to ensure that your claim is processed as quickly as possible, and your claim is approved on the first try, you should start receiving benefits within one month. That being said, initial claims are often denied due to minor application errors or omissions. That is why it is so important to consult with an experienced Continue reading. With skilled legal representation, you are more likely to receive the full benefits you deserve in a timely manner.