If you have been injured on the job, you are eligible for workers’ compensation benefits. Workers’ compensation includes medical benefits, which will cover the cost of your medical care while you are being treated for your injury. When you see an in-network physician from the list of providers approved for workers’ compensation claims through your employer, you will not have to pay anything out of pocket. Workers’ compensation does not cover out of network medical providers, so if you go see your own primary care provider, you will be responsible for those costs. When you are using the medical benefits for an in-network provider, you will not have any copays or deductibles that must be met. Approved In-Network Workers’ Comp Providers Your employer should have a list of approved in-network healthcare providers for you to choose from. This list is usually displayed in a prominent location for employees, such as by the time clock or in a breakroom. If you do not see this list, you should ask your manager to provide you with a copy. It is imperative that you choose a medical provider from this list to get workers’ compensation benefits. If you choose your own provider, you will pay for the care out of pocket. Also, when you choose your own provider, any diagnosis will not be accepted by your employer or their insurer, so you will not be compensated for your lost wages. The list of medical providers should have general caregivers as well as an orthopedic specialist. Filing A Workers’ Compensation Claim If you have been hurt on the job, you will need to seek medical care as soon as possible. You will need to notify your employer of the accident. An accident report must be completed. This report will need to detail how the accident took place and how you were injured as well as the severity of the injuries. You will need to explain what happened and your statement must be included with the report. Any witnesses should give statements as well. You will need to maintain documentation to support your claim. Keep copies of medical records, copies of the accident report, statements from witnesses, photos of your injuries and the accident scene if applicable, and document all your missed work and lost wages. These will show you were hurt while working and how your injury affected you. Consult With A Workers’ Compensation Attorney If you suffered an injury while working, you will need to consult with a workers’ compensation attorney. An attorney will be able to review your claim and determine the best way to proceed. You don’t want to lose access to the benefits that you are entitled to receive at such a challenging time. Medical bills can add up quickly, so you want them covered by your workers’ comp coverage through your employer. Complete the Free Case Evaluation Form on this page to have an attorney in your area review your claim. Helpful Resources Can Workers' Comp Pay Medical Bills? What If I Require Additional Medical Care?
