If your employer has designated a medical provider before or at the time of the injury, you will be required to see that provider for medical care. If you choose to seek your own medical care, it may result in nonpayment of medical benefits and you may be liable for your medical costs. If your employer does not direct you to a medical provider, you may seek treatment from the provider of your choice.
By law, you must notify your employer in writing within four working days of an injury, even if you have advised them verbally. If you do not report your injury to your employer in writing within four working days, you may be penalized and lose up to one day’s compensation for each day’s delay, provided that your employer has posted a sign requiring four days’ written notice. You may still file a claim for benefits even if you are late reporting the injury to your employer.
If the workers’ compensation insurance company denies your claim, you may be responsible for all medical bills associated with the illness or injury. You may then be eligible for coverage through your private health care insurance policy. If you feel your claim has been incorrectly denied, there are several options available to you. For more information on these options and the time limits that must be followed, contact the Division of Workers’ Compensation.
After the claim is filed, the insurance company may request that you be examined by another doctor of its choice, at its expense. If you do not go to this examination, the insurance company may ask the Division of Workers’ Compensation for permission to stop your benefits.
Learn more from the Colorado Department of Labor & Employment’s Division of Workers’ Compensation Employee’s Guide.