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Your employer's end of the workers' compensation program

In Kentucky and beyond, most employers are obligated to purchase insurance to provide benefits to workers injured on the job to help them offset medical bills, replace lost wages and cover other expenses associated with their conditions. Whether you work in a field that most people consider inherently dangerous or spend the majority of your time at work behind an office desk, if you happen to suffer injury while carrying out your daily duties, you can file a workers' compensation claim.

As you navigate the workers' comp system, you may want to consider the various responsibilities your employer has in order to assist you and ensure that the appropriate parties process your claim as swiftly as possible.

Pay close attention to when your employer reports your claim

It is of paramount importance that your employer reports your workers' compensation claim in a timely manner. The following information shows how delayed reporting can affect your recovery and your ability to collect benefits:

  • The sooner your employer reports your claim, the sooner you can obtain the necessary medical and physical therapy treatment needed to obtain as full a recovery as possible.
  • If your employer procrastinates in reporting your claim, your condition may deteriorate in the meantime, thus extending your recovery period.
  • It is easier to trust an employer who exhibits concern for your condition by promptly reporting your injury claim through the proper channels.
  • Appropriate officials may not be able to properly investigate your accident if your employer delays in reporting your claim.
  • Your employer is also at risk for fines and penalties from the Occupational Safety and Health Administration if he or she fails to act promptly to report your workers' compensation claim. In fact, many states have regulations regarding the amount of the time that may pass between a worker's injury and an employer's report of a claim.

It is always easier for an injured worker to collect the benefits needed to help make ends meet in recovery if the employer in question does everything according to code. Any delay, failure to act or negligence can negatively impact an injured worker's ability to recover. If you seek clarification of state law and regulations concerning workers' compensation and the responsibilities of employers and employees when filing claims, you may be able to avoid a lot of stress if a time arises when you are in need of benefits.

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