Understanding the claims process is an important part of caring for your employees if they’re injured on the job.
Use the sections below to learn more about what employers need to understand about claims.
WSI pays for reasonable and necessary medical care prescribed by a provider on accepted claims. An injured employee may also be entitled to wage-loss benefits if 5 or more consecutive calendar days of work are missed because of the injury.
See Benefits & Services for more information about benefits and services for accepted claims.
See Coverage Limits & Rights of Subrogation for more information on coverage limits & a formal letter to provide documentation of limits.
An injury can be reported to WSI by the injured employee, the employer, or a medical provider.
Employees should report all on-the-job injuries to their employer immediately, even if they do not feel it is important to see a medical provider. If an incident occurs and the injured employee does not seek immediate medical attention, an Incident Report should be filed. Reporting incidents alerts employers of potential hazards so preventative action can be taken to avoid subsequent injuries.
All claims must be filed within one year after an injury or within two years after a death. The date of injury is the first date that a reasonable person knew or should have known that a work-related injury occurred.
Employers are responsible for a portion of the medical expenses for each workers’ compensation claim filed and are billed monthly for assessable claims costs paid during the previous month.
See Assessment Information for more information on medical assessments and WSI's early reporting incentive for waiving medical assessment charges.
An employer may be liable for the actual cost and reserves of any claim attributable during the time the employer was uninsured. Additionally, workers may sue an uninsured employer for damages caused by an injury during the period in which they were uninsured.
See Coverage Requirements for more information on uninsured employers.
Online:
Fax: Complete the FROI and fax it to WSI at 701-328-3820 or 888-786-8695
Mail: PO Box 5585, Bismarck ND 58506-5585