If you’re injured at work, understanding the workers’ compensation process is essential. Workers’ compensation provides financial relief for medical expenses and lost wages.
Reporting the injury
The first step is to report your injury to your employer as soon as possible. In Pennsylvania, you should notify your employer within 21 days of the injury to ensure you receive benefits from the date of injury. Delaying beyond 120 days may result in losing your right to compensation.
Seeking medical attention
After reporting the injury, seek medical attention promptly. Your employer might have a list of approved healthcare providers for you to visit in the first 90 days following your injury. If you wish to see a doctor outside of this list, you may do so after this period, and keep all medical records and receipts, as they are crucial for your claim.
Filing the claim
Your employer has to file the workers’ compensation claim with their insurance company. However, it’s beneficial for you to ensure they do so. Your employer should provide you with a copy of the claim form and other relevant paperwork. The insurance company has 21 days to accept or deny the claim after receiving it.
Understanding the decision
Once your employer files a claim, the insurance company will investigate to determine whether to accept or deny it. If accepted, you’ll receive a Notice of Compensation Payable, detailing your benefits. If denied, you’ll get a Notice of Compensation Denial. In case of denial, you can request a hearing with the Pennsylvania Workers’ Compensation Bureau.
Taking steps towards recovery
Navigating a workers’ compensation claim can feel overwhelming, but understanding the steps can help ease the process. Stay proactive and informed to ensure you receive the benefits you deserve.
