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Hurt at work? Here's what to do next

When you get hurt at work, something you'll want to do is to file a workers' compensation claim. A workers' compensation claim has to go through a specific process for it to be reviewed and paid out.

Initially, when you're hurt at work, you should let your employer know immediately. Then, your employer should give you any paperwork you need. They should also be willing to help you with filing the claim if you need assistance. You can do this after you get hurt if you require emergency care, or you can speak with your employer before seeing medical attention if you're able.

When you see the doctor, make sure that you let them know that you're there for a workplace injury. They will know what kind of paperwork to send with you or to mail out to the insurance agency or your employer.

After that, you or your employer should file the claim with the workers' compensation insurer. Your employer has to follow other state and federal laws regarding reporting the incident.

Once this is done, the workers' compensation insurance agency should review the claim and determine if it's compensable. If so, you'll begin to receive benefits. If not, you should know that you have a right to appeal.

Once the insurer approves your claim, you may be able to accept their offer, negotiate a lump-sum settlement or seek a structured settlement. You have the option of working with your attorney once an offer is made so that you can protect your interests and determine which way you'd like to receive the compensation.

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