If you have experienced an injury on the job, your employer’s workers’ compensation insurance policy may provide important benefits. In addition to coverage for present and future medical bills, WC can help with replacing some of your lost wages while you recover.
However, to receive these benefits it is crucial that you make sure to report your injury promptly, seek medical treatment and follow through with an employer-approved health care provider.
1. Seek medical care
If your injury requires immediate emergency care, you may visit the nearest hospital or ER to receive treatment. If your injury does not require emergency care, it is still important to seek medical evaluation. For non-emergency treatment, make sure to visit a provider on your employer’s approved list of physicians to ensure you remain eligible for WC benefits.
2. Inform your employer
As in other states, in Oklahoma you need to report your injury to your employer within a certain period of time after a job injury to receive WC coverage.
3. Follow through with appropriate treatment
From any ER visits to follow-up care during your recovery, make sure to let treating physicians and staff know that your injury is work-related. Keep careful records of all related treatments and expenses, including diagnostic tests, procedures, prescriptions and other forms of care necessary for your rehabilitation.
You may find that either your employer or your employer’s insurance company initially denies your claim. However, this does not mean that you are not entitled to benefits. If you believe you have received a wrongful denial, you may file an appeal asking a judge to review your petition for benefits.