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Chronology of Work-Related Injuries

The Injury and Treatment

 How Workers' Comp. Payments and
Regular Paychecks Are Affected

 Day 1

You are injured on the job:

  1. Report the injury to your supervisor immediately.
  2. Complete a Preliminary Accident Report of Employee Injury.
  3. Seek medical treatment if necessary.
Important Note: We strongly recommend that you see your regular physician or PCP as soon as possible after the injury and tell him or her the injury is work-related. Even if you were treated or transported by Med Express, or went to the hospital as a result of a 911 call, we still recommend you see your regular physician. If your workers' comp. claim is later denied, and you have not been treated for the injury by your regular physician, the coverage you receive through your employer medical plan may be at a lower rate than if you had seen your regular physician early on.
Day 1 -3  The injury is such that you cannot work. (Hourly example l Salary example ) You will not be paid time loss for the first three calendar days you miss work, unless you cannot return to work for 14 calendar days,
or unless...
You are admitted to the hospital in the first three days, in which case you will receive time-loss benefits for the first three days.

If you have sick leave, vacation pay or other paid leaves, you can use these during this period.(Hourly Time Loss l Salary Time Loss )

After the First 3 Days Your attending physician must authorize time off from work in writing. (Hourly example l Salary example )

You will receive a check for time lost from work (time-loss benefits) every two weeks until:

  1. A final decision is made about your claim (accepted or denied), or...
  2. You return to work in a temporary light duty position or to a regular work assignment.
The Carrier Has 90 Days to Accept or Deny your Claim You continue to be unable to work your regular job based on your physician's assessment and recommendations.(Hourly example l Salary example ) You will continue to receive time-loss benefits until one of the following conditions occurs:

  • Your claim is denied.
  • You are released by your physician (in writing) to return to your regular job.*
  • You are released by your physician (in writing) to work a modified, light-duty job.*
  • Your doctor approves a written offer of modified work you are physically able to do, but you refuse the modified work, or...
  • Your claim has been closed by a Notice of Closure Determination Order.
*If your doctor releases you to return to your regular job or a modified light-duty job for fewer hours than you were working prior to your injury, you may continue to receive Temporary Partial Disability (TPD) benefits while your claim is open. (see Hourly example l Salary example for more information.)