People in every industry can experience work-related accidents or develop chronic medical conditions that might make it impossible to earn a living. In most states, workers' compensation insurance provides vital cash replacement benefits and medical care, but the process can be complex and confusing. Understanding the law and how to file a claim will help ensure you get the support you need.

4 Steps to Filing a Workers’ Compensation Claim

1. Notify Your Employer

As soon as an accident occurs or you’ve received a diagnosis for a chronic condition, notify your employer immediately. Not only does this help ensure you get the benefits you need as quickly as possible, but it will also establish that your injuries are related to your working conditions.

2. Seek Medical Attention

Some common work-related injuries aren’t immediately apparent, so it’s best to seek medical attention even if you don’t have obvious symptoms. The rules governing medical attention vary from state to state, but injured workers in Hawaii may see any doctor they choose.

3. Tell Your Doctor the Injury Is Work-Related

If your physician agrees to treat work-related injuries, they will deal directly with your employer’s workers’ compensation insurance provider. To ensure you get the benefits you deserve, ask that all of your medical records and reports be forwarded to the insurance company.

4. Understand the Benefits Available

Depending on the extent of your injuries, workers’ compensation insurance offers a variety of benefit options, ranging from temporary wage replacement to permanent disability. To understand the benefits to which you might be entitled, speak to a workers’ compensation attorney.

In Hawaii, almost every business with employees is required to carry workers’ compensation insurance to protect their employees from injury. Mutual Underwriters has provided low-cost, reliable coverage to businesses throughout the state since 1958, combining modern technology with an old-fashioned commitment to their clients. Visit their website to find your nearest location today, or call (808) 532-2888 to make an appointment.