Hurt at Work? How to Handle the Claim Process Without Losing Your Benefits

Step 1: Report and request care

Tell a supervisor immediately and ask where to go for treatment. If you end up in the ER first, notify the employer as soon as you can afterward.

Step 2: Be consistent in your story

Write down what happened, when, where, and who saw it. In forms and at appointments, keep your description consistent. Inconsistencies are a top reason insurers question claims.

Step 3: Maximize your medical record

• Bring a written list of symptoms and limitations.

• Ask the doctor to put work restrictions in writing (e.g., “no lifting over 10 lbs,” “sit/stand option”).

• Keep copies of every note and test result.

Step 4: Know your checks

• Temporary total disability (TTD): paid when you’re completely out of work under doctor’s orders.

• Temporary partial (TPD): if you’re on light duty making less than before.

• Checks are usually a percentage of your average weekly wage—verify the math (bonuses and overtime may count).

Step 5: Light duty the right way

If your employer offers modified work within your restrictions, try it. If it exceeds your limits, politely decline in writing and explain what restriction it violates; call your lawyer. Never “tough it out” and risk reinjury.

Step 6: If your claim is denied

• Look for a deadline to contest (appeal/hearing/mediation varies by state).

• Gather supportive evidence: witness statements, accident photos, prior work logs, and medical opinions tying your injury to work.

• Legal advocacy is usually the difference between a quick reversal and months of delay.

Step 7: Settlement timing

Don’t rush. Settling too early can close future medical or undervalue permanent impairment. Understand how a settlement affects Social Security Disability, Medicare’s interests (MSA), or private health liens.

Pro tips

• Communicate in writing whenever possible.

• Show up to all appointments and therapy.

• Keep mileage and out-of-pocket receipts—these can be reimbursable.