If You Have an Injured Employee

  1. Assist your employee in obtaining prompt medical care.
    • In an emergency – the employee should seek immediate medical care at the nearest emergency room and notify you as soon as possible thereafter.
    • In all other instances – the employee should inform you of the injury before seeking medical care. If your company has selected a Designated Medical Provider (DMP), workers are required to see the company’s DMP for medical care unless they have previously informed you, in writing, of a different medical provider selection before any injury occurred. If a worker sees your company’s DMP, the employee may request from WSI to change providers after 30 days of treatment by the DMP.
    • If you have an injured worker that does not require medical care. Please complete the online incident report.

    Be involved in the medical care given to the employee and make contact with the medical provider. At the initial and during ongoing medical treatments, WSI encourages you to go with your worker when they seek medical care. While you do not necessarily have the right to be present in the exam room during the worker’s exam, it is to your benefit to communicate with the provider. This communication will allow you to gain a better understanding of any work restrictions imposed and enable you to provide a safe return to work for your employee.
    Require that the employee provide you with a Capability Assessment form (C3) after the initial medical treatment and after all ongoing medical treatment. The C3 form should include the nature and extent of the injury, estimated course of recovery, and a return-to-work plan with identified restrictions, if any.

  2. File a claim with WSI immediately after a work-related injury occurs (within 24 hours of occurrence).
    WSI encourages injured employees and employers to immediately (within 24 hours of occurrence and after medical treatment is received) file a claim with WSI after a work-related injury occurs. Immediate notification allows for better and more effective management of the claim. If medical treatment has occurred, you will need to complete a First Report of Injury (FROI) form.
    The law states that your employee should notify you within 7 days after an accident or when the general nature of the injury becomes apparent. A worker has 1 year from the date of the injury (or first treatment) or when a reasonable person should have known the condition was work related.
    Within 7 days of receiving notice of an injury from your employee, you are required to file a claim with WSI. If you do not, WSI may consider that an admission that the alleged injury may be compensable.
  3. If you conducted an investigation, provide your report to WSI. Your written accident report could include the following elements:
    • Inspection of accident site
    • Potential cause for why the incident happened
    • Circumstance surrounding the incident
    • Evidence for accident site (take pictures)
    • Interviews from all witnesses, write down statements for documentation. Conduct interviews in a sensitive manner at a comfortable location.
    • An outline of the necessary corrective action that will be taken to prevent the injury from happening again.

    If your company does not have a policy for injury reporting or guidelines for investigating workplace injuries, call our Safety Department for assistance.
    If the investigation suggests that your employee's injury is not your responsibility or seems questionable in nature, be sure to write your comments on the FROI form. If you have already submitted the FROI form with the Employer Section completed, please write or call us with your concerns.

  4. Stay in contact with the worker, medical provider, and WSI. Help the worker continue to feel that they are an important asset to you and your company.
    The Claims Process
    Please remember you have firsthand information regarding the injury, as this is your employee and your place of business.
    • On potential wage-loss claims, a claims adjuster will contact you to:
      • Gather information to assist in determining if wage-loss benefits are appropriate - this includes verification of the worker’s current wages.
      • If they have additional questions or need clarification on the claim.
    • If your employee has not returned to work, you may be contacted by a Return-to-Work Service Case Manager who is trained to help you return your employee to work as safely and as soon as possible, making work a part of the recovery process.
    • When a decision is made regarding claim acceptance or denial, you will receive written notification. Along with this notice, information will be provided for you to follow if you disagree with the decision.

      WSI will provide you with any information requested on the status of the claim and copies of documents from the claim file at any time.
      Employer’s Role
      As the employer, it is your responsibility to help keep the claim and medical treatment on track by communicating with:

      • Your worker, on a weekly basis, as this will help them maintain a positive outlook and assist in the recovery process.
      • The medical provider to allow for a better understanding of your worker’s condition and abilities. When the doctor says your worker is ready to return to work with medical restrictions imposed, help by making transitional work (modified or alternate job duties) available to your worker.
      • WSI by promptly responding to any information requests you may receive from WSI. This will help WSI with the processing of the claim.