Steps to Take After a Workplace Accident: How Filing a Workers’ Compensation Claim Works

Workplace accidents can happen in any industry, from construction sites to office environments. When they do, it’s essential for both employees and employers to understand the steps involved in filing a workers’ compensation claim. Acting quickly and correctly ensures that injured workers receive the support they need while helping companies stay compliant with labor laws.

How Does the Claims Process Work?

The claims process involves several key steps:

• Initial response—Affected employees should report the injury to their supervisor as soon as possible and seek medical attention.
• Incident documentation—Record key information about the incident, including its date, time and location, as well as a description of how it occurred. List any witnesses, save copies of medical reports and take photos or record videos of the scene.
• Claim submission—Employers should provide workers’ compensation claim forms and instruct affected staff to complete their portion promptly. Employers submit the completed forms to their insurance carrier.
• Insurer review—While reviewing workers’ compensation claims, carriers may request additional documentation or medical evaluations. If approved, employees can begin receiving financial aid.
• Appeals (if necessary)—If a workers’ compensation claim is denied, employees can submit an appeal with a government body, such as the North Carolina Industrial Commission.

What Steps Can My Company Take to Help Employees?

Employers play a vital role in supporting injured workers. Consider the following proactive steps and how they might help employees navigate the workers’ compensation claims process:

• Establish clear reporting procedures. Make sure employees know how and when to report injuries.
• Train supervisors. Equip managers with the knowledge to handle incidents compassionately and efficiently.
• Maintain open communication. Keep the injured employee informed throughout the claims process.

We’re Here to Help

At Hampton Insurance Services, we pride ourselves on helping employers in and around Clemmons, NC secure appropriate workers’ compensation insurance and navigate the claims process. Contact our team today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.