When you become ill or suffer an injury as a result or in the course of employment, you have recourse to help you get well, in the form of workers’ compensation. Workers’ compensation is a form of insurance that all employers must carry, which is in place to help those hurt at work to get medical care and recover from their injury or sickness. Learn the basics of workers’ comp in Colorado, including what you need to know to file a claim if you suffer an injury related to your job.
Workers’ Comp in Colorado
Getting workers’ comp in Colorado is a matter of taking the right steps at the right time so that you can be sure you’re covered fully. It can, unfortunately, sometimes also mean fighting with insurance carriers and employers at a time when that’s the last thing you need as you’re trying to get healthy and back on your feet.
What to Do
As soon as you discover an illness or injury, you should be seen by a medical professional. Always remember, your health and wellness comes before everything else. Keep the records of this initial visit, including any prescriptions, appointments, bills and treatment you receive. Then, inform your employer. The sooner you tell your job, the better off you are. If you wait too long, you may actually find that your claim is denied. Your biggest responsibilities in this issue are to get treated, to let your employer know what’s going on and to follow the guidelines provided by your employer for completing your claim.
Your Employer’s Responsibilities
When you inform your employer of your illness or injury, they will give you paperwork to fill out by way of formally reporting your injury and initiating a workers’ comp claim. They will also provide you a list of approved caregivers under whom you should seek medical care if it’s not an immediate emergency.
You may be eligible for medical treatment from doctor’s appointments to prescriptions and physical therapy, to coverage for some of your lost wages, and more—but you need to be sure you’ve got all your records in order and are doing the right things. There are many missteps to avoid, and sometimes, you may face a challenge to your claim.
When It’s Challenged
Not every workers’ compensation claim goes smoothly. In fact, all too often the employer or insurance company will challenge the validity of some or all of the claim. A challenge is not the end of the road, however. When this happens, you will need to fight to get the coverage you deserve. This is where a Colorado workers’ comp attorney comes into play.
Many people worry about the consequences of calling an attorney. There is no reason for concern. The law protects you from any repercussions at work should you speak to a lawyer. Most lawyers will consult with you for free, and you may need their legal advice, not only to get the coverage you deserve, but to take a lot of stress off of your shoulders at a time when you need to focus on getting better.
Have you been faced with an accident or illness at work, and aren’t sure what to do next? You have nothing to lose and everything to gain by calling our office. Review our workers’ compensation services, and reach out to us for a free consultation about your case today!