Claims Management FAQs

What if an employee is injured?
Why is prompt reporting of Workers’ Compensation claims important?
What if there is a delay in reporting a Workers’ Compensation claim?

What if an employee is injured?

If an employee suffers a work related injury or illness, the employer should:

1. Seek appropriate medical care for the employee.
2. If the injury or illness is acute, the employer should always send the employee to the nearest hospital emergency department.
3. If the injury or illness is not acute, the employer may suggest that the employee seek treatment from the nearest medical provider.
4. The employee’s supervisor should gather pertinent facts about the work related injury or illness.
5. As soon as possible, the employer should report all work related injuries or illnesses to CSD&Z claim department or the insurance carrier.

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Why is prompt reporting of Workers’ Compensation claims important?

Immediately reporting a claim benefits you and your employee in several ways, permitting your insurance carrier claim representative to:

• Investigate the claim.
• Assist the injured employee in obtaining quality medical care.
• Pay benefits timely as required by law.
• Properly manage the claim to control costs.

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What if there is a delay in reporting a Workers’ Compensation claim?

Minnesota Statute 176.221 states: “The insurer is liable for a penalty payment assessed against it even if the delay is attributable to the employer. An insurer who has paid a penalty under this section may recover from the employer portion of the penalty attributable to the acts of the employer which resulted in the delay.”

These penalties can range from 30% to 105% of benefits due, depending on the length of the delay.

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