When you're in the workforce, any accidents or injuries on the job fall within the workers' compensation realm, allowing you to make a claim to take care of yourself and your medical expenses. Follow these steps to make a claim for workers' compensation.
Report The Accident Or Injury Immediately To Your Supervisor
If you had an accident or injured yourself while working, then you should tell your supervisor immediately. This ensures that your supervisor is aware of your situation and injury before you go ahead with your claim. Any accident is usually recorded in writing as well to protect all parties involved. Every employer will have certain processes to follow when it comes to reporting an injury, so make sure you follow them thoroughly for a smooth claim process.
Get Medical Treatment And Keep The Records Ready
You must seek medical treatment as quickly as possible, so that you can get the issue resolved. You will also need a Certificate of Capacity from the medical practitioner to explain the condition that has resulted in your intention to claim workers' compensation. This will include details like injury date, cause of the issue, date of injury, ability to get back to work and treatment solutions. The insurer then uses this certificate to determine how much workers' compensation you are entitled to. The more details you can provide in the certificate, the quicker you will be able to claim for workers' compensation with minimal hassle. Keep in mind that you will need to give your consent for the insurer, employer, medical practitioners and other relevant people to view your certificate and determine the best course of action.
Submit A Claim Form For Workers' Compensation
You will now need to submit a claim form for workers' compensation, which is usually completed online or in print. You will need to provide details like your Medicare number, your bank account and BSB details and the Certificate of Capacity. The claim form may also request for emergency contacts and contact details, so make sure you have everything ready before you fill it in. Once you have submitted your form, your employer will need to add further details before the final submission to the insurer. The insurer will then contact you to review your situation and ask questions if necessary.
When you need to make a claim for workers' compensation, you have to follow certain processes to ensure minimal delays and maximum efficiency.
Commerical insurance will allow you to operate your business in a safe way. If anything goes wrong such as an injury to a staff member or a member of the public, you will be covered against any claims they may make for compensation. Commerical insurance can also cover over areas of your business operations such as damage to the buildings your company uses. I was really lucky to find an expert insurance broker who helped me to find the best commercial insurance deal which provided complete coverage for a reasonable price. I hope you find this blog useful and helpful.