Workers’ Compensation (WC) insurance is provided by employers to their employees to help them receive financial assistance for their work-related illness or injury, regardless of who was at fault.
If you recently got injured while on your shift, it is important to gain insight into the state’s WC laws and what actions you need to do next. Here is a simple guide on how you can file your WC claim in California:
Inform your employer
After your workplace accident, you must notify your supervisor of your injury or illness as soon as possible. Although you will have 30 days to report it in writing or verbally, it is ideal to inform them of your accident in a prompt manner to avoid potential delays in the process.
If your employer does not give you a claim form after you inform them of your accident, you may call the DWC Information Services Center to speak with one of their live agents.
Fill out your claim form
After receiving the claim form, fill out the “employee” section, place your dated signature, make a copy of the document and return the original claim form back to your employer. Within one day of filing, they must authorize the appropriate medical treatment for your injury or illness.
Once your employer completes the “employer” section of your claim form, they will forward it to their insurer. During this 14-day review process, the insurance company will assess your claim and send you a letter to inform you of the status of your WC claim.
Seek medical attention
After you notify your supervisor or employer of your workplace accident, get appropriate treatment for your condition. It is important to note that your employer may have an approved MPN (Medical Provider Network) from California’s Division of Workers’ Compensation. In this record, you will find a list of physicians where you can seek medical care.
However, if you were able to predesignate a personal doctor before your workplace injury or illness occurred, you can go to them instead to receive the treatment/s you would need to recover. Be sure to keep copies of your medical records, prescriptions and receipts.
What happens if I receive a denial letter?
If you get a denial letter for your WC claim, do not feel discouraged. You can still challenge their decision by appealing your case. You can work on this on your own or with the guidance of a workers’ compensation lawyer.
By understanding your rights and following the right procedures, you can receive compensation for your injury and focus on your recovery.