Handling a claim correctly protects both the employee and the business. Follow these critical steps:
1️⃣ Provide Immediate Medical Attention
- Call 911 if the injury is serious.
- Direct non-emergency injuries to an approved medical provider.
- Ensure the worker documents their injury ASAP.
2️⃣ Report the Injury
- Employers must file a First Report of Injury (FROI) with their insurance provider within 10 days.
- Failing to report a claim on time may result in state penalties.
3️⃣ Cooperate with the Insurance Investigation
- The workers’ comp insurance company will review the claim, medical records, and employer statements.
- Employers should provide accurate information and avoid pressuring employees to withdraw claims.
4️⃣ Claim Decision: Approved or Denied?
✔ If Approved – The employee receives medical benefits and lost wages.
❌ If Denied – The employee can appeal through the Colorado Division of Workers’ Compensation.
5️⃣ Support the Employee’s Return to Work
- Offer light-duty work if the employee can return with restrictions.
- Stay in contact with medical professionals to ensure a smooth transition back to work.
How to Lower Workers’ Compensation Costs
Workers’ comp can be expensive, but businesses can reduce costs by:
✔ Implementing Safety Programs – Fewer injuries = lower premiums.
✔ Creating a Return-to-Work Policy – Helps injured workers transition back safely.
✔ Maintaining Good Documentation – Prevents fraudulent claims.
✔ Choosing the Right Insurance Provider – Compare quotes for better rates.
Final Thoughts
Handling workers’ compensation claims correctly helps protect both employees and business owners from unnecessary legal and financial risks. Colorado businesses should prioritize workplace safety, report claims promptly, and work closely with their insurance provider to ensure fair and efficient claims processing.
