Claims - Frequently Asked Questions
As an employer, am I responsible for reporting every injury as a workers' compensation claim?
Each injury that results in an employee missing time from work and/or
that requires medical attention should be reported to us on the
"First Report of Injury or Illness" form.
In order to help manage your costs, you should make a report within 24 hours of the
incident. Find out how prompt reporting can save you money.
What kind of records should I keep? Your personnel files should document:
- When the employee first complained of a condition;
- When, where and how the injury occurred;
- What the employee was doing and why, and
- Which part of the body was affected.
NOTE: Many states require early investigation, documentation and reporting of
each injury. Even if you are unsure whether or not an employee's, injury or illness is
work-related, document the details for future reference.
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Where should I send my employee for medical care?
State laws vary about choice of physicians for treatment of workers' compensation
injuries. For a list of approved medical facilities in your area, please contact
us at 1.800.825.9489.
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What are SICs?
Standard Industry Codes, or SICs, are universal codes that help identify industries by
type. SICs are sometimes required to complete a "First Report of Injury or Illness" form.
To find out what your SIC code is, go to
www.osha.gov/cgi-bin/sic/sicser5 or
call us at 1.800.825.9489.
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