What is Workers' Compensation?
Workers’ compensation is a no fault system that was put into place to provide employees compensation if they are injured at work. In general, all employers are required to have workers’ compensation insurance for their employees, excluding independent contractors among a few others. Workers’ compensation covers short-term, long-term, and permanent injuries. This also means the injured workers will receive insurance benefits and treatment regardless of who was at fault.
Individual states have different requirements, which can be found on your state workers’ compensation board website.
What should I do if I'm injured at work?
Seek immediate help. If you are injured at work you should notify your supervisor about the injury as soon as possible, in writing. If an injury develops over time that was work-related, you may have between one and four years to file depending on the state the injury occurred in and its regulations. A few states may require higher standards for proving that these types of injuries are work related. Please check your state’s workers’ compensation board website for more details.
Your employer or insurer will likely provide you with a claims form. You should fill out the employee section completely and deliver by hand or mail. Always make sure to request a signed copy of the form directly from your employer if possible, after he/she has submitted the form to the insurance company.
How Ametros Works With Workers' Compensation Cases
Ametros brings a unique perspective to settlements in the workers' compensation industry. Our main focus is the injured worker. We become their resource and the point of contact after settlement. Ametros' Settlement Advisors can walk attorneys, adjusters, structured settlement brokers, and injured workers through the settlement process to make sure everyone is on the same page. We also help our members by providing significant savings on all their medical services.
Providing around the clock support, help with compliance and making sure the injured worker saves money on their healthcare expenses.
Coordinating all parties, including injured parties, employers, attorneys, annuity brokers, medical providers and Medicare.
Addressing the injured worker’s fears of settling their ongoing medical case and managing their own medical care as well as reporting their Medicare Set Aside.
Utilizing Ametros’ CareQuote service, which provides real pricing on future medications and medical equipment.
We provide significant discounts & savings through our large network of providers and pharmacies. On average, we save our members 28 percent on their annual healthcare expenses!
Bridging the Gap
Having our team of settlement advisors assist in the settlement process and help bridge the gap between the two parties.
It is highly recommended that settlement recipients consider the use of a professional administrator for their funds.
- Medicare's WCMSA Reference Guide Version 2.7
Frequently Asked Questions
What is workers’ compensation?
Can I sue my employer for a work injury?
What should I do if I’m injured at work?
When should I hire a workers’ compensation lawyer?
Why is my treatment being denied through my employer or carrier?
Can I see the doctor I would like to see?
Do I have to settle my workers’ compensation claim?
How do I settle a workers’ compensation case?
When would I need an MSA?
What is my obligation to Medicare?
Are there resources to help me manage the settlement funds?