How to properly file an industrial accident claim:

When you are injured at work, there are systems put in place to reimburse you for both medical expenses and lost wages as a result of the injury. However, you must be proactive and make certain all accident claim forms are filed properly. Your employer may be responsible to send the forms, but you are required to notify them of the accident, provide explicit details, and ensure all paperwork is filled out correctly. Laws vary state to state, but there are many similar steps in each state. One commonality for example is that most state laws include exclusive remedy provisions. All that means, is that if you get injured on the job, your only recourse for compensation is through workers compensation. In most cases you cannot sue your employer for your injury unless it was a result of misconduct or negligence.

Steps to be approved for workers injury compensation:

While the exact steps vary state to state, these are the most important actions to take if you are injured on the job and have medical bills or lost wages as a result of your injury:

1. Report your injury to your employer:
The amount of time you have to report an accident varies from as soon as possible to up to one year. The best thing to do if you are injured on the job is to notify your direct supervisor immediately. Then as soon as possible submit a written report to your direct supervisor as well as the office or HR department. Be sure to include in your report that you notified a supervisor immediately, as well as describe in great detail when, where, and how the accident happened with as much detail as possible.

2. Have a doctor verify the injury:
Some large corporations have physicians on site to handle workers compensation claims. Other companies have "preferred" networks. Visit whoever your company prefers but also be sure to visit your own doctor for a second or third opinion. Have him document everything about the injury and how it relates to your line of work. Be sure to keep a record of his analysis as well as the costs associated with any medical examination or care as proof for reimbursement later.

3. Fill out the required paperwork:
When you notify your employer about the injury, they may have accident claim forms prepared or you may choose to fill out a formal written claim directly to the workers compensation insurer. It may be best to hire an attorney to help with this step to be sure you include all of the proper medical and accident claim forms.

4. Wait for approval/denial of your claim:
You will receive notification directly from the workers compensation insurer if explaining either the approval or denial of your claim. Before you are approved, they may require an additional exam by their physician to verify the existence of an injury. If you are denied, there are steps you are able to take to appeal the decision.

This article is intended for informational purposes only, and is not to be construed as fact or law. Please consult a workers compensation attorney if you have any questions about your injury.