If You're Injured at Work
Step 1: Figuring out if it's work-related
Although workers' compensation is a no-fault system, there are requirements to be eligible for it.
There are two questions to finding the answer:
- Did the injury occur during your workday hours? Did the injury occur during the course of your normal work day or work week?
- Was it caused by activities that you are required to do as part of your job? Was it caused by activities that fall within the scope of your job?
Generally speaking, the answer to the first question should not be difficult. But the second part of the question - whether your injury was caused by work activities - is a little more complex and often requires medical reports from doctors.
Let's look at two examples:
- You are hurt in a car accident while traveling to work. This is generally not work-related because it did not happen during your hours of work.
- Suppose you have a heart attack at work. Medically speaking, the heart attack may not be associated with your job tasks. The medical reports might show that it was caused by general health problems and would have occurred regardless of where you were at the time. So, in this example, even though the injury happened at work, it may not be considered work-related.
Step 2: Report worked-related injury to employer
To make sure you receive the benefits you're entitled, you must, first, immediately report the injury to your supervisor. This is known as "giving notice" to your employer. In some cases your supervisor will already know about your injury. But if there is any doubt, notify your supervisory immediately.
Learn about the claims process
Read about benefits