Follow us
  >  Workers Compensation   >  What is Workers’ Compensation?

What is Workers’ Compensation?

Workers’ compensation was established to provide medical care and income protection to employees who are injured or become ill from their job. Most employers buy workers’ compensation insurance coverage through private insurers or state-certified compensation insurance funds. Larger employers may also have the option to self-insure. These systems are complex and governed by state laws.

What To Do After A Workplace Injury

If you or a loved one has suffered an injury on the job, here are some basic steps to follow:

First, report the injury promptly to your supervisor, and request a copy of an incident report with, at a minimum, the date of the injury, and how the injury occurred. Not reporting your injury to your employer can result in an affirmative defense know as lack of forthwith reporting. This defense can be used by the insurance carrier to deny your claim.

Second, make sure a claim was filed with the Industrial Commission of Arizona.  It might surprise you to learn that, in Arizona, the legal responsibility of filing a workers’ compensation claim is owned by the Injured Worker. Though your employer may gather information regarding your injury, and even take the step of notifying their insurance carrier, a claim may never be filed. There is a deadline to file a claim; do not trust that either your employer (regardless of how long you have worked for them) or an insurance carrier will take the step of filing a claim on your behalf.    

Seek medical treatment: Regardless of your belief of the severity of the injury, it is important to see a doctor as soon as possible. Your employer or the insurance carrier may instruct you to go to a specific clinic (Concentra, MBI, and FastMed Urgent Care are common). Though your employer or the insurance carrier may want you to have treatment with a clinic they have a relationship with, the majority of employees in Arizona have the right to treat with a doctor of their choosing. An important note on this however, most likely a form would need to be submitted to the Industrial Commission of Arizona to change your doctor. Treating with a doctor that has not been approved may result in the treatment not being paid for.

Talk to an experienced workers’ compensation attorney: A qualified workers’ compensation attorney can be your guide through the everchanging and confusing workers’ compensation system. Our goal is to maximize your benefits, through the laws in the state of Arizona. With an experienced workers’ compensation attorney watching over your case, all you need to worry about is getting to the doctor and recovering as best you can from the injury you sustained.

Talk To An Experienced Attorney Today

Our lawyers advise and represent clients in communities throughout the state of Arizona. We offer free consultations by phone or in person at our Phoenix office. We handle workers’ compensation cases mainly on a contingency fee basis. Call us at (602) 254-8481, or fill out our contact sheet to discuss your case with an attorney.

Post a Comment