Workers' Comp Edge: Timely Claims Reporting

Workers Comp 101

A workplace injury can be a stressful situation. The injured worker may need medical attention and time off to recover, so it’s vital for the employee and employer to communicate openly as soon as the incident happens. Most states require injury reports “as soon as possible”, so waiting even a week to act creates problems for everyone involved.


Delayed reporting can have serious consequences:

  • For the employee: Delays can directly impact the injured worker's lost wages and access to prompt medical care, potentially worsening their condition.
  • For the employer: Non-compliance with state regulations, which mandate quick reporting, can lead to penalties. Immediate notification is also key to controlling costs, as late claims are significantly more expensive.

By remembering the urgency of timely reporting, you'll comply with local laws, safeguard your business's financial health, and ensure the best possible outcome for your injured workers.

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Frequently Asked Questions

Find answers to commonly asked questions about workers’ compensation.

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What is workers' compensation?
Workers’ compensation is a form of insurance that benefits employers and employees in the case of a work-related injury or illness.
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Who is required to carry workers’ comp?
Workers’ compensation laws vary by state, so it’s important to know your state’s requirements. In many states, workers’ compensation is required for employers with one or more employees.
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What benefits are available?
Workers’ compensation can include medical care, lost wages and death benefits. Workers' compensation coverage may also safeguard businesses from legal action if an employee experiences a work-related injury or illness.
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Who pays for workers’ comp?
The employer is responsible for purchasing and maintaining workers’ compensation coverage.
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How much does workers’ compensation insurance cost?
Workers’ compensation premiums are based on factors such as payroll, industry and claims history, so premiums vary between businesses.