Workers’ Compensation Claims: How Long Do They Stay Open Once Filed?

Workers’ compensation insurance is a necessary financial safety net for employees who suffer injuries or illnesses because of their job duties.

These policies can provide financial aid for medical care, wage replacement and other needs, potentially helping both employees and employers in the aftermath of a workplace incident.

However, this type of coverage can also be complicated and understanding various details, such as how long claims can stay open, is essential.

How Do Workers’ Compensation Insurance Claims Work?

Employees who are injured at work should promptly report the incident to their employer. The employer should then work with the employee to file a claim with their workers’ compensation insurance provider.

The insurance company typically then reviews the claim, considering factors such as the nature of the injury, the circumstances surrounding the incident and any relevant medical reports.

If the claim is approved, the insurance company may provide a payout that can be used to help pay for various things, such as the employee’s medical expenses and wage replacement. Alternatively, if an employee’s injuries prove fatal, compensation may be provided to their family.

How Long Do Workers’ Compensation Insurance Claims Remain Open?

The duration for which a compensation claim remains open can vary depending on the severity of the injury and the laws of the state where the claim is filed. Typically, a claim remains open as long as the employee is receiving treatment for their injury.

The claim is usually closed once the treatment is complete and the employee has returned to work.

However, in some cases, a workers’ compensation claim may remain open for several years, particularly if the employee suffers a permanent disability due to the injury. Both employers and employees must understand their state’s specific laws regarding workers’ compensation claims to ensure they are adequately protected.

We’re Here to Help

Contact Blackburn Insurance Agency, Inc. in Grand Prairie, Texas, today to learn more about workers’ compensation insurance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.