What Does the Workers’ Compensation Process Look Like in Colorado?
Being injured at work is a stressful and scary experience. Our firm guides clients through the workers’ compensation process from start to finish, and we have more than 30 years of combined legal experience. Our Loveland workers’ compensation attorneys provide informative advice and diligent representation to handle a variety of legal issues. If you have suffered an on-the-job injury, we can walk with you every step of the way so you can focus on healing.
Here’s What You Need to Do to Seek Workers’ Compensation in Colorado:
1. Get Medical Attention
If you are injured at work, it is important to seek medical attention immediately. You should also request a copy of your medical records to use in court. Being treated right away can help you pursue compensation, and depending on the circumstances, you may be required to see a physician in your employer’s designated provider list. If you do not see a doctor in your employer’s designated provider list, you may waive your right to receive medical benefits. This means you will have to pay the medical bills yourself. However, if your employer does not provide you with a list, you may choose your own physician.
If you wait to see a doctor, the insurance company may try to prove that your injuries were not caused by the work accident. However, if you have medical records to prove that you received treatment right after the incident, you will be able to show that your injuries did happen at work. Insurance companies will try to pay you as little as possible, so it is important to have evidence to build your case.
2. Report the Injury to Your Employer
It is important to report the accident to your boss immediately. Under Colorado law, you must report the injury in writing to your boss within 4 days of the incident. Verbally telling your boss about your accident does not count as legally notifying your employer.
If you fail to provide a written report of the incident to your boss within 4 days, you can still pursue compensation. However, you may be penalized and lose up to one day’s compensation for each day you fail to report the incident. Should you be physically or mentally unable to report the injury, another person can do it for you within 4 days.
3. File the Workers’ Compensation Claim
Once you file the written report to your employer, it is your employer’s responsibility to start the workers’ compensation process. He or she must file an Employer’s First Report of Injury with the insurance company within 10 days of the incident. In addition, your employer must provide you with a designated healthcare provider list so you can seek medical attention.
4. Stay Informed About Your Case
If your work-related injury or illness causes you to miss 3 or more days of work, the insurance company must notify you concerning the acceptance or denial of your claim. This will be done within 20 days after your employer files the claim. However, if you do not miss 3 or more days of work, the insurance company is not obligated to provide a written notification regarding your compensation settlement. You can contact the insurance claim adjuster to ask about your benefits, payment of compensation, and the status of your claim.
By law, you should be able to seek compensation for lost wages if you miss 3 or more days of work due to your injury. You will have to provide medical records proving the extent of your injury or illness. The insurance company will notify you of its final decision regarding your claim in an Admission of Liability, or in a Notification of Contest (denial). Throughout the process, you can contact the insurance claims adjuster directly to check on the status and details regarding your case.
Call Our Experienced Loveland Workers’ Compensation Lawyers Today at (877) 435-1514
At Busch Law Offices, we provide informative, compassionate legal services to clients seeking compensation for work injuries. The workers’ compensation process in Colorado can be complicated and stressful. Whatever your situation, we can stand up for your rights and work hard to build your case in court. Insurance companies grant workers’ compensation benefits based on the evidence and information provided by your employer. Our attorneys can help make sure all relevant facts are considered, and fight for your best interests as you seek a favorable settlement.
Contact our firm today for dedicated representation in a workers’ compensation claim. We offer free consultations for your convenience.