Workers’ compensation benefits were created to help people hurt at work, by covering medical costs and lost wages. The injury has to happen on the job, while you were doing work duties, to qualify for benefits. In most cases, you must also be a full-time employee, not a contractor or freelancer.

Reporting the injury to your employer is the first step that must be taken in a workers’ compensation claim. Different states have different deadlines for reporting, varying from “as soon as possible,” to 180 days. In some states, this notice must be in writing. 

Visiting an authorized physician is essential to determining your path to recovery and how your ability to work has been impacted. This information is used to determine what benefits you’re entitled to. Please be aware that in many states, the physician you see must be approved by your employer.

The funds for workers’ compensation benefits come from workers’ compensation insurance paid by employers. While states require employers to purchase workers’ compensation insurance, (except Texas,) there may be exceptions for businesses in certain industries or of a certain size. Your employer must have the coverage for you to file a successful claim.

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