If you are injured at work, consider seeing a doctor as soon as possible. This ensures you get treatment on time, preventing the condition from worsening.
However, it’s vital to be informed about certain matters to avoid making costly mistakes, including:
The first 90 days
When you report a work injury/illness, your employer will provide you with a list of healthcare providers. You need to visit a doctor from the list for your employer to pay for the treatment. You must seek medical treatment within 90 days after the first visit to your chosen provider.
Note that you can go to any healthcare provider if it’s an emergency case. Further, if one of the listed providers suggests surgery, you can seek a second opinion from any provider.
If the second opinion differs from the initial one, you can seek the treatment option of your choice. However, even if you choose the treatment suggested in your second opinion, you must receive treatment from a provider on your employer’s list.
After 90 days
In some cases, you may not complete treatment within the first 90-day period. Does this mean your employer will no longer cover your treatment?
If your treatment is reasonable and necessary and your work injury/illness was properly documented by your doctor, you have the right to receive ongoing care from any licensed healthcare provider, whether or not they are on your employer’s list. And your employer should pay for this treatment.
If you choose a healthcare provider who is not on your employer’s list, you must notify your employer within five days after your first visit.
A work injury/occupational illness can affect your life considerably. Learn more about your case to understand how your employer can cover your medical expenses and other damages.