Workers Compensation Benefits
Eight Keys To a Successful Claim
The following information is general information and not
intended to apply to every work injury situation. Each
case is different and carries its own set of circumstances
which must be taken into consideration by competent
legal counsel.
- Seek emergency medical attention
if needed. Seeing a doctor protects
your health and establishes your workers'
compensation claim. Any delay in seeing
the doctor can raise questions about whether
you were actually injured on the job. This
opens the door for the insurance company
to claim that you were injured outside
of work.
- When you first see the doctor or
other health care professional, tell them
that you were injured while at work.
Give them as much detail as possible about
how the accident happened, what the accident
did to your body, what you experienced
at the time of and immediately after the
accident and all other details necessary
for a doctor to understand what happened
and how it affected you physically.
- If anyone witnessed your injury,
write down their names and keep it handy.
In case there is any dispute about whether
you were in an accident or how the accident
occurred.
- Report in writing any accident
to your employer or any employee of the
employer who is in a supervisory capacity (foreman,
superintendent, company nurse, etc.)
- If an injury progresses over time
like a breathing problem or carpel tunnel
syndrome that is the result of a workplace
situation, report the condition as soon
as it is realized. The employer
must provide you with a claim form on which
to describe the injury and how, when, and
where it occurred.
- Remember that there are time limitations
to report an on the job injury or benefits
could be disqualified. In North
Carolina, notification must occur within
30 days, although there are some exceptions,
including occupational diseases.
- Make sure to save copies of all
correspondence with the employer,
its insurance carrier and any doctors concerning
the workers' comp claim.
- Throughout the entire process you
should keep written documentation of all
important information about your accident
and your claim. Include how the
accident happened, your trips to the doctor,
your conversations with your employer's
management and with representatives from
the insurance company.