If you have been injured or fallen ill at work, you should consider filing a workers compensation claim. Workers compensation pays for medical care, rehabilitation, and even some wage replacement if you have to miss work. To receive these benefits, however, you must promptly file your claim and carefully follow your state’s workers compensation procedures.
Seek immediate medical care for your injury. You should then inform your employer of the injury as soon as possible. The time limit to file your claim varies from state to state, but it can range from two years to a few days.
Typically, your employer will have claim forms for you to fill out and submit. It then becomes your employer’s responsibility to submit the paperwork to the proper insurance carrier. Depending on state law, you—rather than your employer—may need to file a separate claim with your state’s workers compensation agency. There will also be a time limit to file this separate claim; it is a year in many states, but in some states it is shorter so make sure to clarify.
If your claim is not disputed by your employer or its insurance carrier, the claim will be approved and an adjuster for the insurance company will typically contact you or your employer with instructions on how to submit your medical bills for payment. Be warned: in some cases, employers will fight you on the benefits in an attempt to keep insurance rates down. Ensure a strong claim by keeping extensive documentation on everything having to do with the injury; this especially includes medical reports and records pertaining to the injury and treatment.
If your injury is not permanent and does not cause you to lose income, receiving payment for your medical bills will probably be the extent of your compensation. If you are temporarily unable to work due to your injury, you will also begin receiving checks to cover your lost wages—typically within a week or two after your claim is approved. Your employer will notify the insurance company to stop sending you these checks as soon as you recover and return to work.
In Nevada, the workers compensation claim process begins with the filing of a C-4 form that is sent to the insurance company the employer uses for workers compensation coverage. The claim does not begin until this form is completed. Employees have 90 days from the date of the injury to fill out the C-4 form and have a medical provider sign and date it. The insurer then has 30 days to either accept or deny the compensation claim. If the claim is denied, the employee has the option of appealing the decision.
Our attorneys have the experience and expertise to ensure that you get the best possible representation for your workers compensation claim. With over 45 years representing the residents of Las Vegas, our clients are our neighbors. Every case we handle matters. Visit our website to learn more about what we can do for you, or call us at 702-388-4476.