If You Have an Injured Employee
Timeframes for Reporting an Injury:
- 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 more
effective management of the claim.
- The law requires that your employee notify
you within 7 days after an accident or when the general nature of the injury
becomes apparent. 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 to be an admission that the alleged injury may be compensable.
Four Important Steps:
- 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. You should provide first aid on site, if necessary.
At the initial medical treatment and during ongoing medical treatment, 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 examining room during
the worker’s exam, you benefit by going along because you will better understand
any work restrictions imposed by the doctor – which enables you to provide
a safe return to work for your employee.
If your company has selected a designated medical provider (DMP), workers
are required to see your company’s designated medical provider (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 to change providers after
being treated for 60 days by the DMP.
Require that the employee provide you with a Capability Assessment form (C3 form) after the initial medical treatment and after
all ongoing medical treatment. The Doctor's Report of Injury should include
the nature and extent of the injury, estimated course of recovery, and a return-to-work
plan with identified restrictions, if any.
- File a claim with WSI immediately after a
work-related injury occurs (within 24 hours of occurrence):
Whichever claim filing method is used, complete the FROI form with your worker,
if possible. No decision can be made on a claim until all required information
is received. Explain workers’ compensation procedures to the worker and assist
in relieving any anxieties they may have relating to the injury and their
- Conduct an investigation immediately while
the information is fresh in people’s minds - then take the necessary corrective
action to prevent the injury from happening again. Your written accident
investigation report should include the following elements:
- Inspection of the accident site.
- A determination of the reasons why the incident happened.
- The circumstances surrounding the incident.
- Securing evidence and taking photographs.
- Interviewing all witnesses and others in the accident area
and writing down their statements. Interviews should be conducted in a sensitive manner at a comfortable
- 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 Loss
Prevention Education Unit and we’ll help you develop them.
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.
- Stay in contact with the worker, the medical provider, and WSI. Help
the worker continue to feel that they are an important asset to you and your
Be involved in the medical care given to the employee and
make contact with the medical provider. (A release of information should be signed by the
employee if medical records are being requested from the medical provider.)
The Claims Process - What You Can Expect From Us:
- On potential wage-loss claims, a claims adjuster will contact your company’s
claims coordinator to gather information to decide whether wage replacement
benefits are appropriate - this includes verification of the worker’s current
- Our claims adjuster will request your accident investigation report and
any other information you want WSI to consider when reviewing the claim. Please
remember you have firsthand information regarding the injury as this is your
employee and your place of business.
- If your employee has not returned to work, you may be contacted by a
return-to-work services provider 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
- When a decision is made regarding claim acceptance or denial, you
will receive written notification. Along with this notice, instructions will be provided for you to follow
if you disagree with the decision.
- We will provide the employer with any information requested on the
status of the claim and copies of documents from the claim file at any time.
Keeping a Claim and Medical Treatment on Track:
Keep in touch with the worker, as this will help them maintain a positive outlook
- and assist in the recovery process. Contact the worker weekly to answer any
Keeping in touch with the medical provider will allow better understanding
of the worker’s condition and abilities. When the doctor says the worker is
ready to return to work with medical restrictions imposed, help by making transitional
work (modified or alternate job duties) available to the worker.
Please also promptly respond to any information requests
you may receive from us as this helps us with the processing of the claim.