Here are some tips:
- REPORT YOUR INJURY TO A SUPERVISOR ASAP. As a matter of fact, tell coworkers and anyone else who will listen. This is the most important thing I can tell you. Many, many cases are denied by insurance companies because they say "The employer says they don't know anything about an accident" or the because the worker "Never told anyone he/she was hurt." The law requires that injures be reported to your employer within 30 days, but DON'T WAIT THAT LONG. Don't even wait close to that long. Tell people that same day. Even if you don't feel like you are badly hurt, let several people know what happened.
- DON'T JUST TELL YOUR SUPERVISOR YOU HAD AN ACCIDENT -- TELL HIM/HER THAT YOU WERE INJURED. Telling your boss that you "fell" may not be enough to preserve your claim. The law is full of technicalities and one of them in workers' compensation is that telling your employer about an "accident" may not be considered the same thing as telling them you were "injured." In general, your notice to the employer should be detailed enough to put an employer on notice of a potential work comp claim so that they can conduct an investigation of the accident if they so choose. Back in my days as an insurance company lawyer, I won a few cases because injured workers admitted they never told their employer that they were injured -- they only told them they had an accident. There is a difference. Don't get caught in this potential trap. Be clear and tell them about your injuries.
- GET MEDICAL TREATMENT. It is important not to delay getting medical care, because an insurer may try to deny your claim if you wait a long time before asking for treatment. If you have an emergency situation, get to an emergency room. Employers are responsible for the cost of emergency care after an injury. If it is not a true emergency (or after the emergency situation has calmed down), ask to see the list of panel doctors. The panel is a list of at least six company doctors. You are allowed to choose one of the doctors to become your treating physician. Who is on the list and who you pick can make a difference in your case, so ask for a copy of the panel (or take a picture of it with your cell phone). This information can come in handy later to your lawyer. If the employer didn't follow the rules about the panel, you might be able to pick your own doctor and make the employer pay for it.
- TELL YOUR EMPLOYER ABOUT ANY RESTRICTIONS YOU HAVE. Once you get medical treatment, the doctor will do one of three things with regard to your work status. Either you will be taken completely out of work, or you will be placed on restrictions (light duty), or you will not be put on any restrictions at all. Most of the time people get put some kind of restrictions or are taken completely out of work. In any case, communicate with your employer and let them know what the doctor says you can and cannot do. If you are on restrictions, it is the employer's duty to give you work within those restrictions. If they don't have light duty within your restrictions, then you may be entitled to weekly work comp checks.
- CONSIDER GETTING A LAWYER. After you have given proper notice to your employer that you had an injury (and not just an accident) at work, and after you have gotten any emergency medical treatment out of the way, really think about at least talking to a lawyer. This isn't just me drumming up business here. There are a lot of reasons you might need a lawyer at this point. The insurance company is not your friend and their concern is to close your claim as cheaply as possible. Unless you are a work comp lawyer, I can promise you that you don't know the ins and outs of the law and potential pitfalls that await you. An experienced lawyer can direct you to the best choice of medical treatment. An experienced lawyer can tell you whether your employer has to offer you light duty work. An experienced lawyer can make sure your medical bills get paid and that you get paid, if you are owed weekly checks. One more thing -- lawyers don't get generally get paid until your case settles, so it doesn't "cost" you any more money in the end whether you hire a lawyer at the beginning of your case or the end of your case. You might as well hire one early and have the benefit of that advice as you go along. It will improve the flow of your claim and could make a big difference in the amount you ultimately recover.